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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 | $39,272 | $81,358-51.7% | $155,556-74.8% | $80,959-51.5% |
| Participation rate | 48.8% | 66.3%-17.5pp | 78.2%-29.5pp | 67.7%-18.9pp |
| Annual return | 8.75% | 33.39%-24.6pp | 64.84%-56.1pp | 35.67%-26.9pp |
| Employer contribution / active EE | $311 | $3,106-90.0% | $4,675-93.4% | $2,757-88.7% |
| Participant deferral / active EE | $1,335 | $3,455-61.4% | $5,631-76.3% | $4,300-69.0% |
| Admin fee / account holder | $5,413 | $7,994-32.3% | $15,885-65.9% | $6,925-21.8% |