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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 | $27,585 | $72,269-61.8% | $101,271-72.8% | $79,852-65.5% |
| Participation rate | 31.3% | 68.5%-37.2pp | 75.8%-44.6pp | 69.6%-38.4pp |
| Annual return | 6.41% | 22.29%-15.9pp | 46.48%-40.1pp | 31.72%-25.3pp |
| Employer contribution / active EE | $437 | $2,692-83.8% | $3,660-88.1% | $2,471-82.3% |
| Participant deferral / active EE | $1,563 | $3,282-52.4% | $4,371-64.2% | $3,740-58.2% |
| Admin fee / account holder | $2,724 | $4,401-38.1% | $5,948-54.2% | $5,306-48.7% |