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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 | $48,286 | $53,774-10.2% | $134,162-64.0% | $79,852-39.5% |
| Participation rate | 27.0% | 58.8%-31.7pp | 72.2%-45.2pp | 69.6%-42.6pp |
| Annual return | 10.15% | 19.01%-8.9pp | 36.35%-26.2pp | 31.72%-21.6pp |
| Employer contribution / active EE | $81 | $1,322-93.9% | $3,705-97.8% | $2,471-96.7% |
| Participant deferral / active EE | $2,706 | $2,420+11.8% | $3,500-22.7% | $3,740-27.6% |
| Admin fee / account holder | $4,529 | $3,985+13.7% | $6,685-32.3% | $5,306-14.7% |