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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 | $60,440 | $76,551-21.0% | $123,894-51.2% | $62,881-3.9% |
| Participation rate | 33.3% | 73.0%-39.6pp | 81.4%-48.1pp | 69.3%-36.0pp |
| Annual return | 5.18% | 18.68%-13.5pp | 47.52%-42.3pp | 20.14%-15.0pp |
| Employer contribution / active EE | $224 | $2,882-92.2% | $4,617-95.2% | $2,281-90.2% |
| Participant deferral / active EE | $4,449 | $4,840-8.1% | $5,984-25.7% | $3,203+38.9% |
| Admin fee / account holder | $2,443 | $4,826-49.4% | $8,357-70.8% | $4,296-43.1% |