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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 | $31,706 | $76,371-58.5% | $93,621-66.1% | $72,975-56.6% |
| Participation rate | 43.9% | 71.8%-27.9pp | 75.8%-32.0pp | 69.5%-25.6pp |
| Annual return | 15.78% | 25.82%-10.0pp | 32.76%-17.0pp | 81.01%-65.2pp |
| Employer contribution / active EE | $351 | $2,276-84.6% | $2,719-87.1% | $2,440-85.6% |
| Participant deferral / active EE | $2,462 | $3,538-30.4% | $4,070-39.5% | $3,608-31.8% |
| Admin fee / account holder | $575 | $6,839-91.6% | $7,890-92.7% | $5,124-88.8% |