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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 | $31,267 | $81,358-61.6% | $155,556-79.9% | $80,959-61.4% |
| Participation rate | 46.2% | 66.3%-20.1pp | 78.2%-32.1pp | 67.7%-21.5pp |
| Annual return | 5.29% | 33.39%-28.1pp | 64.84%-59.5pp | 35.67%-30.4pp |
| Employer contribution / active EE | $184 | $3,106-94.1% | $4,675-96.1% | $2,757-93.3% |
| Participant deferral / active EE | $1,214 | $3,455-64.9% | $5,631-78.4% | $4,300-71.8% |
| Admin fee / account holder | $2,675 | $7,994-66.5% | $15,885-83.2% | $6,925-61.4% |