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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 | $41,534 | $59,839-30.6% | $81,991-49.3% | $79,852-48.0% |
| Participation rate | 40.5% | 61.6%-21.1pp | 69.3%-28.7pp | 69.6%-29.1pp |
| Annual return | 9.06% | 17.56%-8.5pp | 41.31%-32.3pp | 31.72%-22.7pp |
| Employer contribution / active EE | $216 | $1,713-87.4% | $2,498-91.3% | $2,471-91.2% |
| Participant deferral / active EE | $1,022 | $2,695-62.1% | $3,722-72.5% | $3,740-72.7% |
| Admin fee / account holder | $10,190 | $4,287+137.7% | $5,665+79.9% | $5,306+92.0% |