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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 | $30,211 | $81,487-62.9% | $102,412-70.5% | $80,935-62.7% |
| Participation rate | 27.6% | 66.8%-39.3pp | 74.5%-46.9pp | 67.7%-40.1pp |
| Annual return | -2.18% | 25.60%-27.8pp | 24.94%-27.1pp | 35.66%-37.8pp |
| Employer contribution / active EE | $551 | $3,103-82.2% | $3,870-85.8% | $2,757-80.0% |
| Participant deferral / active EE | $2,272 | $3,871-41.3% | $5,060-55.1% | $4,299-47.2% |
| Admin fee / account holder | $4,350 | $6,717-35.2% | $8,388-48.1% | $6,924-37.2% |