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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 | $40,188 | $71,215-43.6% | $93,696-57.1% | $80,935-50.3% |
| Participation rate | 42.3% | 60.4%-18.1pp | 68.7%-26.4pp | 67.7%-25.4pp |
| Annual return | 9.68% | 11.27%-1.6pp | 133.74%-124.1pp | 35.66%-26.0pp |
| Employer contribution / active EE | $317 | $1,565-79.8% | $2,422-86.9% | $2,757-88.5% |
| Participant deferral / active EE | $1,266 | $4,037-68.6% | $4,417-71.3% | $4,299-70.6% |
| Admin fee / account holder | $1,119 | $6,958-83.9% | $8,287-86.5% | $6,924-83.8% |