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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 | $55,157 | $51,083+8.0% | $70,548-21.8% | $71,495-22.9% |
| Participation rate | 19.7% | 59.4%-39.7pp | 68.3%-48.7pp | 67.9%-48.3pp |
| Annual return | 12.60% | 42.64%-30.0pp | 32.78%-20.2pp | 28.85%-16.2pp |
| Employer contribution / active EE | $343 | $1,791-80.9% | $2,975-88.5% | $2,589-86.8% |
| Participant deferral / active EE | $1,156 | $3,028-61.8% | $4,567-74.7% | $4,291-73.1% |
| Admin fee / account holder | $5,693 | $1,995+185.3% | $6,424-11.4% | $1,588+258.6% |