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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 | $32,605 | $45,079-27.7% | $69,461-53.1% | $72,983-55.3% |
| Participation rate | 54.3% | 68.5%-14.1pp | 74.6%-20.3pp | 69.5%-15.1pp |
| Annual return | 5.46% | 22.65%-17.2pp | 28.97%-23.5pp | 81.01%-75.6pp |
| Employer contribution / active EE | $360 | $2,055-82.5% | $2,779-87.0% | $2,440-85.2% |
| Participant deferral / active EE | $1,867 | $2,603-28.3% | $3,536-47.2% | $3,608-48.3% |
| Admin fee / account holder | $1,649 | $3,056-46.0% | $3,840-57.1% | $5,124-67.8% |