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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 | $43,092 | $115,931-62.8% | $185,441-76.8% | $86,983-50.5% |
| Participation rate | 32.5% | 73.6%-41.2pp | 80.3%-47.8pp | 69.5%-37.1pp |
| Annual return | 9.88% | 21.47%-11.6pp | 20.16%-10.3pp | 25.83%-15.9pp |
| Employer contribution / active EE | $705 | $2,937-76.0% | $4,672-84.9% | $2,584-72.7% |
| Participant deferral / active EE | $2,072 | $4,551-54.5% | $6,152-66.3% | $4,194-50.6% |
| Admin fee / account holder | $3,174 | $10,687-70.3% | $17,890-82.3% | $7,856-59.6% |