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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 | $25,333 | $68,880-63.2% | $120,580-79.0% | $80,959-68.7% |
| Participation rate | 23.6% | 61.7%-38.1pp | 72.0%-48.3pp | 67.7%-44.0pp |
| Annual return | 9.92% | 23.68%-13.8pp | 107.48%-97.6pp | 35.67%-25.8pp |
| Employer contribution / active EE | $387 | $2,066-81.3% | $3,469-88.8% | $2,757-85.9% |
| Participant deferral / active EE | $2,235 | $3,191-30.0% | $4,995-55.3% | $4,300-48.0% |
| Admin fee / account holder | $928 | $5,785-84.0% | $9,418-90.2% | $6,925-86.6% |