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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 | $39,969 | $73,107-45.3% | $114,563-65.1% | $87,485-54.3% |
| Participation rate | 37.9% | 65.8%-27.9pp | 72.9%-35.0pp | 68.9%-31.0pp |
| Annual return | 8.68% | 19.47%-10.8pp | 241.09%-232.4pp | 26.06%-17.4pp |
| Employer contribution / active EE | $138 | $1,881-92.7% | $2,592-94.7% | $2,596-94.7% |
| Participant deferral / active EE | $2,113 | $3,144-32.8% | $4,142-49.0% | $4,274-50.6% |
| Admin fee / account holder | $1,005 | $5,770-82.6% | $7,623-86.8% | $7,775-87.1% |