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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 | $47,292 | $89,259-47.0% | $107,187-55.9% | $82,637-42.8% |
| Participation rate | 22.0% | 67.9%-46.0pp | 75.0%-53.1pp | 68.1%-46.1pp |
| Annual return | 12.56% | 21.02%-8.5pp | 204.55%-192.0pp | 53.51%-41.0pp |
| Employer contribution / active EE | $194 | $3,080-93.7% | $3,782-94.9% | $2,552-92.4% |
| Participant deferral / active EE | $2,066 | $4,037-48.8% | $5,096-59.5% | $4,126-49.9% |
| Admin fee / account holder | $3,101 | $7,381-58.0% | $9,162-66.2% | $7,339-57.7% |