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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 | $25,821 | $52,306-50.6% | $69,779-63.0% | $62,881-58.9% |
| Participation rate | 31.0% | 67.2%-36.2pp | 71.8%-40.8pp | 69.3%-38.3pp |
| Annual return | 3.67% | 13.35%-9.7pp | 12.99%-9.3pp | 20.14%-16.5pp |
| Employer contribution / active EE | $244 | $1,799-86.4% | $2,338-89.6% | $2,281-89.3% |
| Participant deferral / active EE | $2,336 | $2,395-2.5% | $2,931-20.3% | $3,203-27.1% |
| Admin fee / account holder | $6,464 | $3,691+75.1% | $4,381+47.5% | $4,296+50.5% |