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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 | $41,636 | $56,110-25.8% | $94,993-56.2% | $70,126-40.6% |
| Participation rate | 55.3% | 65.0%-9.7pp | 73.9%-18.6pp | 69.5%-14.3pp |
| Annual return | 9.72% | 51.02%-41.3pp | 27.14%-17.4pp | 73.15%-63.4pp |
| Employer contribution / active EE | $112 | $1,442-92.2% | $2,603-95.7% | $2,343-95.2% |
| Participant deferral / active EE | $1,121 | $2,391-53.1% | $3,317-66.2% | $3,332-66.4% |
| Admin fee / account holder | $345 | $3,456-90.0% | $4,960-93.0% | $4,645-92.6% |