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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 | $42,855 | $106,749-59.9% | $145,433-70.5% | $82,448-48.0% |
| Participation rate | 52.9% | 75.6%-22.8pp | 82.1%-29.2pp | 68.1%-15.2pp |
| Annual return | 13.97% | 27.59%-13.6pp | 66.58%-52.6pp | 41.64%-27.7pp |
| Employer contribution / active EE | $325 | $3,444-90.6% | $4,554-92.9% | $2,551-87.2% |
| Participant deferral / active EE | $3,002 | $6,519-53.9% | $7,897-62.0% | $4,139-27.5% |
| Admin fee / account holder | $7,089 | $8,390-15.5% | $13,129-46.0% | $7,234-2.0% |