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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 | $54,487 | $73,787-26.2% | $98,716-44.8% | $82,448-33.9% |
| Participation rate | 28.6% | 61.4%-32.8pp | 69.3%-40.7pp | 68.1%-39.5pp |
| Annual return | 11.25% | 18.57%-7.3pp | 31.81%-20.6pp | 41.64%-30.4pp |
| Employer contribution / active EE | $180 | $1,511-88.1% | $2,279-92.1% | $2,551-92.9% |
| Participant deferral / active EE | $1,486 | $3,081-51.8% | $4,048-63.3% | $4,139-64.1% |
| Admin fee / account holder | $1,744 | $6,500-73.2% | $8,703-80.0% | $7,234-75.9% |