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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 | $36,947 | $93,589-60.5% | $135,942-72.8% | $75,181-50.9% |
| Participation rate | 53.3% | 75.2%-21.9pp | 81.9%-28.6pp | 67.2%-13.9pp |
| Annual return | 14.12% | 30.90%-16.8pp | 68.28%-54.2pp | 160.69%-146.6pp |
| Employer contribution / active EE | $467 | $3,537-86.8% | $4,858-90.4% | $2,671-82.5% |
| Participant deferral / active EE | $4,546 | $6,405-29.0% | $7,759-41.4% | $4,126+10.2% |
| Admin fee / account holder | $5,043 | $6,977-27.7% | $10,764-53.1% | $5,650-10.7% |