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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 | $38,286 | $86,288-55.6% | $111,306-65.6% | $85,851-55.4% |
| Participation rate | 49.1% | 73.3%-24.3pp | 77.3%-28.3pp | 69.3%-20.3pp |
| Annual return | 10.16% | 19.99%-9.8pp | 54.67%-44.5pp | 318.63%-308.5pp |
| Employer contribution / active EE | $272 | $2,044-86.7% | $2,732-90.1% | $2,565-89.4% |
| Participant deferral / active EE | $2,180 | $3,641-40.1% | $4,488-51.4% | $3,952-44.8% |
| Admin fee / account holder | $3,936 | $8,189-51.9% | $7,966-50.6% | $6,261-37.1% |