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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 | $62,623 | $71,230-12.1% | $93,727-33.2% | $80,959-22.6% |
| Participation rate | 39.0% | 60.4%-21.4pp | 68.7%-29.7pp | 67.7%-28.6pp |
| Annual return | 8.90% | 11.26%-2.4pp | 133.83%-124.9pp | 35.67%-26.8pp |
| Employer contribution / active EE | $370 | $1,565-76.4% | $2,421-84.7% | $2,757-86.6% |
| Participant deferral / active EE | $2,081 | $4,037-48.5% | $4,417-52.9% | $4,300-51.6% |
| Admin fee / account holder | $1,053 | $6,961-84.9% | $8,292-87.3% | $6,925-84.8% |