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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 | $58,752 | $88,707-33.8% | $74,184-20.8% | $273,972-78.6% |
| Participation rate | 36.4% | 79.4%-43.1pp | 76.6%-40.3pp | 83.0%-46.7pp |
| Annual return | -0.20% | 11.94%-12.1pp | 17.74%-17.9pp | 41.46%-41.7pp |
| Employer contribution / active EE | $411 | $3,159-87.0% | $2,370-82.7% | $4,869-91.6% |
| Participant deferral / active EE | $1,662 | $4,212-60.5% | $3,550-53.2% | $5,287-68.6% |
| Admin fee / account holder | $3,491 | $8,717-60.0% | $5,586-37.5% | $10,133-65.5% |