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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 | $41,980 | $52,380-19.9% | $98,864-57.5% | $85,851-51.1% |
| Participation rate | 27.0% | 58.0%-31.0pp | 65.7%-38.8pp | 69.3%-42.3pp |
| Annual return | 10.44% | 25.82%-15.4pp | 50.03%-39.6pp | 318.63%-308.2pp |
| Employer contribution / active EE | $207 | $1,337-84.5% | $2,070-90.0% | $2,565-91.9% |
| Participant deferral / active EE | $687 | $2,101-67.3% | $3,037-77.4% | $3,952-82.6% |
| Admin fee / account holder | $3,939 | $3,865+1.9% | $4,080-3.5% | $6,261-37.1% |