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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 | $28,571 | $80,983-64.7% | $96,544-70.4% | $75,177-62.0% |
| Participation rate | 44.4% | 71.8%-27.3pp | 76.0%-31.5pp | 67.2%-22.8pp |
| Annual return | 12.58% | 27.05%-14.5pp | 25.88%-13.3pp | 160.75%-148.2pp |
| Employer contribution / active EE | $305 | $2,282-86.6% | $2,966-89.7% | $2,671-88.6% |
| Participant deferral / active EE | $1,924 | $3,929-51.0% | $4,851-60.3% | $4,126-53.4% |
| Admin fee / account holder | $10,674 | $6,717+58.9% | $8,254+29.3% | $5,651+88.9% |