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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 | $39,177 | $46,596-15.9% | $64,099-38.9% | $75,181-47.9% |
| Participation rate | 30.3% | 65.9%-35.6pp | 72.3%-42.0pp | 67.2%-36.9pp |
| Annual return | 10.84% | 26.04%-15.2pp | 33.70%-22.9pp | 160.69%-149.8pp |
| Employer contribution / active EE | $315 | $1,975-84.1% | $2,748-88.5% | $2,671-88.2% |
| Participant deferral / active EE | $1,260 | $2,837-55.6% | $3,881-67.5% | $4,126-69.5% |
| Admin fee / account holder | $2,324 | $2,954-21.3% | $3,070-24.3% | $5,650-58.9% |