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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 | $40,830 | $106,749-61.8% | $145,433-71.9% | $82,448-50.5% |
| Participation rate | 24.1% | 75.6%-51.5pp | 82.1%-58.0pp | 68.1%-43.9pp |
| Annual return | 7.24% | 27.59%-20.4pp | 66.58%-59.3pp | 41.64%-34.4pp |
| Employer contribution / active EE | $636 | $3,444-81.5% | $4,554-86.0% | $2,551-75.1% |
| Participant deferral / active EE | $3,079 | $6,519-52.8% | $7,897-61.0% | $4,139-25.6% |
| Admin fee / account holder | $10,967 | $8,390+30.7% | $13,129-16.5% | $7,234+51.6% |