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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 | $40,474 | $93,345-56.6% | $119,126-66.0% | $87,485-53.7% |
| Participation rate | 36.7% | 68.7%-32.1pp | 75.8%-39.1pp | 68.9%-32.3pp |
| Annual return | 5.96% | 19.08%-13.1pp | 282.11%-276.2pp | 26.06%-20.1pp |
| Employer contribution / active EE | $685 | $3,172-78.4% | $4,034-83.0% | $2,596-73.6% |
| Participant deferral / active EE | $2,545 | $4,099-37.9% | $5,318-52.1% | $4,274-40.5% |
| Admin fee / account holder | $3,724 | $8,039-53.7% | $10,693-65.2% | $7,775-52.1% |