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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 | $34,897 | $81,487-57.2% | $102,412-65.9% | $80,935-56.9% |
| Participation rate | 27.3% | 66.8%-39.6pp | 74.5%-47.2pp | 67.7%-40.4pp |
| Annual return | 10.12% | 25.60%-15.5pp | 24.94%-14.8pp | 35.66%-25.5pp |
| Employer contribution / active EE | $3 | $3,103-99.9% | $3,870-99.9% | $2,757-99.9% |
| Participant deferral / active EE | $1,598 | $3,871-58.7% | $5,060-68.4% | $4,299-62.8% |
| Admin fee / account holder | $1,131 | $6,717-83.2% | $8,388-86.5% | $6,924-83.7% |