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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 | $40,787 | $55,889-27.0% | $76,119-46.4% | $80,935-49.6% |
| Participation rate | 27.8% | 62.1%-34.3pp | 69.1%-41.3pp | 67.7%-39.9pp |
| Annual return | 9.27% | 20.58%-11.3pp | 361.25%-352.0pp | 35.66%-26.4pp |
| Employer contribution / active EE | $207 | $1,866-88.9% | $2,693-92.3% | $2,757-92.5% |
| Participant deferral / active EE | $3,167 | $3,051+3.8% | $4,259-25.6% | $4,299-26.3% |
| Admin fee / account holder | $25,048 | $5,241+377.9% | $6,421+290.1% | $6,924+261.7% |