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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 | $81,276-61.2% | $155,574-79.7% | $80,925-61.0% |
| Participation rate | 22.6% | 66.2%-43.7pp | 78.2%-55.6pp | 67.7%-45.1pp |
| Annual return | 6.08% | 33.36%-27.3pp | 64.87%-58.8pp | 35.65%-29.6pp |
| Employer contribution / active EE | $341 | $3,103-89.0% | $4,676-92.7% | $2,756-87.6% |
| Participant deferral / active EE | $2,787 | $3,453-19.3% | $5,629-50.5% | $4,299-35.2% |
| Admin fee / account holder | $1,775 | $7,993-77.8% | $15,914-88.8% | $6,940-74.4% |