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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 | $65,627 | $89,652-26.8% | $141,191-53.5% | $65,185+0.7% |
| Participation rate | 45.3% | 74.7%-29.4pp | 82.5%-37.2pp | 70.2%-24.9pp |
| Annual return | 20.00% | 32.79%-12.8pp | 71.41%-51.4pp | 29.38%-9.4pp |
| Employer contribution / active EE | $617 | $3,065-79.9% | $4,736-87.0% | $2,177-71.7% |
| Participant deferral / active EE | $3,196 | $5,691-43.8% | $6,710-52.4% | $3,514-9.0% |
| Admin fee / account holder | $1,541 | $569+171.1% | $10,264-85.0% | $847+81.9% |