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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 | $57,627 | $52,306+10.2% | $69,779-17.4% | $62,881-8.4% |
| Participation rate | 28.6% | 67.2%-38.7pp | 71.8%-43.3pp | 69.3%-40.7pp |
| Annual return | 3.80% | 13.35%-9.6pp | 12.99%-9.2pp | 20.14%-16.3pp |
| Employer contribution / active EE | $158 | $1,799-91.2% | $2,338-93.3% | $2,281-93.1% |
| Participant deferral / active EE | $1,198 | $2,395-50.0% | $2,931-59.1% | $3,203-62.6% |
| Admin fee / account holder | $1,222 | $3,691-66.9% | $4,381-72.1% | $4,296-71.5% |