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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 | $31,530 | $81,331-61.2% | $155,534-79.7% | $80,935-61.0% |
| Participation rate | 22.6% | 66.3%-43.7pp | 78.2%-55.6pp | 67.7%-45.1pp |
| Annual return | 6.08% | 33.37%-27.3pp | 64.92%-58.8pp | 35.66%-29.6pp |
| Employer contribution / active EE | $341 | $3,105-89.0% | $4,675-92.7% | $2,757-87.6% |
| Participant deferral / active EE | $2,787 | $3,454-19.3% | $5,630-50.5% | $4,299-35.2% |
| Admin fee / account holder | $1,775 | $7,999-77.8% | $15,900-88.8% | $6,924-74.4% |