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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 | $53,744 | $48,053+11.8% | $84,628-36.5% | $72,975-26.4% |
| Participation rate | 27.6% | 57.6%-30.0pp | 68.2%-40.7pp | 69.5%-41.9pp |
| Annual return | 17.30% | 37.39%-20.1pp | 258.80%-241.5pp | 81.01%-63.7pp |
| Employer contribution / active EE | $208 | $1,602-87.0% | $2,653-92.2% | $2,440-91.5% |
| Participant deferral / active EE | $1,562 | $2,681-41.7% | $3,900-59.9% | $3,608-56.7% |
| Admin fee / account holder | $2,447 | $3,395-27.9% | $4,914-50.2% | $5,124-52.2% |