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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 | $101,241 | $181,896-44.3% | $156,551-35.3% | $273,972-63.0% |
| Participation rate | 37.5% | 88.4%-50.9pp | 84.0%-46.5pp | 83.0%-45.5pp |
| Annual return | 1.84% | 30.74%-28.9pp | 32.23%-30.4pp | 41.46%-39.6pp |
| Employer contribution / active EE | $1,086 | $6,248-82.6% | $5,501-80.3% | $4,869-77.7% |
| Participant deferral / active EE | $3,418 | $5,550-38.4% | $4,871-29.8% | $5,287-35.4% |
| Admin fee / account holder | $9,511 | $15,560-38.9% | $13,028-27.0% | $10,133-6.1% |