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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 | $59,348 | $68,681-13.6% | $86,615-31.5% | $85,847-30.9% |
| Participation rate | 51.2% | 66.4%-15.2pp | 71.6%-20.5pp | 69.3%-18.2pp |
| Annual return | 9.82% | 20.12%-10.3pp | 63.51%-53.7pp | 318.61%-308.8pp |
| Employer contribution / active EE | $120 | $1,880-93.6% | $2,496-95.2% | $2,565-95.3% |
| Participant deferral / active EE | $2,886 | $2,919-1.2% | $3,699-22.0% | $3,952-27.0% |
| Admin fee / account holder | $3,196 | $5,974-46.5% | $5,830-45.2% | $6,261-48.9% |