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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 | $45,237 | $49,025-7.7% | $87,502-48.3% | $62,881-28.1% |
| Participation rate | 32.8% | 64.9%-32.1pp | 73.8%-41.1pp | 69.3%-36.5pp |
| Annual return | 4.41% | 10.02%-5.6pp | 12.21%-7.8pp | 20.14%-15.7pp |
| Employer contribution / active EE | $192 | $1,372-86.0% | $2,550-92.5% | $2,281-91.6% |
| Participant deferral / active EE | $1,188 | $2,289-48.1% | $3,149-62.3% | $3,203-62.9% |
| Admin fee / account holder | $2,530 | $4,065-37.8% | $4,221-40.1% | $4,296-41.1% |