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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 | $50,817 | $45,050+12.8% | $63,018-19.4% | $70,126-27.5% |
| Participation rate | 44.4% | 69.5%-25.1pp | 74.8%-30.4pp | 69.5%-25.1pp |
| Annual return | 6.22% | 18.76%-12.5pp | 87.62%-81.4pp | 73.15%-66.9pp |
| Employer contribution / active EE | $119 | $2,052-94.2% | $2,761-95.7% | $2,343-94.9% |
| Participant deferral / active EE | $1,974 | $2,466-19.9% | $3,330-40.7% | $3,332-40.8% |
| Admin fee / account holder | $6,518 | $2,834+130.0% | $3,601+81.0% | $4,645+40.3% |