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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 | $40,777 | $80,674-49.5% | $119,126-65.8% | $64,340-36.6% |
| Participation rate | 40.3% | 55.2%-15.0pp | 75.8%-35.5pp | 55.2%-15.0pp |
| Annual return | 9.42% | 26.86%-17.4pp | 282.11%-272.7pp | 24.14%-14.7pp |
| Employer contribution / active EE | $337 | $2,564-86.9% | $4,034-91.6% | $1,862-81.9% |
| Participant deferral / active EE | $2,149 | $3,053-29.6% | $5,318-59.6% | $2,980-27.9% |
| Admin fee / account holder | $1,868 | $4,559-59.0% | $10,693-82.5% | $3,703-49.6% |