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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 | $40,771 | $81,358-49.9% | $155,556-73.8% | $80,959-49.6% |
| Participation rate | 25.0% | 66.3%-41.3pp | 78.2%-53.2pp | 67.7%-42.7pp |
| Annual return | 9.56% | 33.39%-23.8pp | 64.84%-55.3pp | 35.67%-26.1pp |
| Employer contribution / active EE | $101 | $3,106-96.7% | $4,675-97.8% | $2,757-96.3% |
| Participant deferral / active EE | $2,294 | $3,455-33.6% | $5,631-59.3% | $4,300-46.7% |
| Admin fee / account holder | $558 | $7,994-93.0% | $15,885-96.5% | $6,925-91.9% |