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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 | $53,763 | $86,050-37.5% | $189,758-71.7% | $94,015-42.8% |
| Participation rate | 64.5% | 68.9%-4.4pp | 79.8%-15.3pp | 70.8%-6.3pp |
| Annual return | 9.79% | 17.77%-8.0pp | 52.62%-42.8pp | 17.84%-8.1pp |
| Employer contribution / active EE | $54 | $2,819-98.1% | $4,767-98.9% | $2,790-98.1% |
| Participant deferral / active EE | $3,978 | $3,349+18.8% | $5,856-32.1% | $4,249-6.4% |
| Admin fee / account holder | $4,604 | $6,627-30.5% | $20,388-77.4% | $8,951-48.6% |