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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,091 | $99,345-68.7% | $84,753-63.3% | $273,972-88.7% |
| Participation rate | 52.9% | 80.7%-27.8pp | 76.6%-23.7pp | 83.0%-30.1pp |
| Annual return | 1.19% | 22.93%-21.7pp | 22.78%-21.6pp | 41.46%-40.3pp |
| Employer contribution / active EE | $297 | $4,214-92.9% | $3,574-91.7% | $4,869-93.9% |
| Participant deferral / active EE | $1,867 | $4,270-56.3% | $3,712-49.7% | $5,287-64.7% |
| Admin fee / account holder | $4,411 | $6,645-33.6% | $5,333-17.3% | $10,133-56.5% |