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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 | $110,137-60.9% | $161,149-73.3% | $82,637-47.9% |
| Participation rate | 32.5% | 72.4%-39.9pp | 78.8%-46.4pp | 68.1%-35.6pp |
| Annual return | 9.88% | 20.69%-10.8pp | 21.16%-11.3pp | 53.51%-43.6pp |
| Employer contribution / active EE | $705 | $2,856-75.3% | $4,360-83.8% | $2,552-72.4% |
| Participant deferral / active EE | $2,072 | $4,575-54.7% | $6,153-66.3% | $4,126-49.8% |
| Admin fee / account holder | $3,174 | $9,467-66.5% | $15,194-79.1% | $7,339-56.7% |