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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 | $53,118 | $63,904-16.9% | $89,340-40.5% | $67,986-21.9% |
| Participation rate | 29.1% | 54.3%-25.2pp | 69.6%-40.5pp | 57.2%-28.1pp |
| Annual return | 11.42% | 18.09%-6.7pp | 20.57%-9.2pp | 31.67%-20.2pp |
| Employer contribution / active EE | $243 | $1,627-85.1% | $2,231-89.1% | $2,019-88.0% |
| Participant deferral / active EE | $1,279 | $2,691-52.5% | $3,823-66.5% | $3,358-61.9% |
| Admin fee / account holder | $3,090 | $3,315-6.8% | $6,704-53.9% | $3,203-3.5% |