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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 | $34,752 | $78,670-55.8% | $109,173-68.2% | $85,847-59.5% |
| Participation rate | 47.3% | 68.3%-21.0pp | 75.9%-28.6pp | 69.3%-22.0pp |
| Annual return | 10.54% | 25.09%-14.5pp | 25.75%-15.2pp | 318.61%-308.1pp |
| Employer contribution / active EE | $326 | $2,734-88.1% | $3,723-91.2% | $2,565-87.3% |
| Participant deferral / active EE | $1,699 | $3,467-51.0% | $4,654-63.5% | $3,952-57.0% |
| Admin fee / account holder | $1,818 | $5,469-66.8% | $6,755-73.1% | $6,261-71.0% |