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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 | $47,109 | $135,956-65.3% | $123,894-62.0% | $273,972-82.8% |
| Participation rate | 37.5% | 84.1%-46.6pp | 81.4%-43.9pp | 83.0%-45.5pp |
| Annual return | 3.33% | 56.63%-53.3pp | 47.52%-44.2pp | 41.46%-38.1pp |
| Employer contribution / active EE | $509 | $5,170-90.2% | $4,617-89.0% | $4,869-89.5% |
| Participant deferral / active EE | $3,509 | $6,343-44.7% | $5,984-41.4% | $5,287-33.6% |
| Admin fee / account holder | $4,655 | $9,817-52.6% | $8,357-44.3% | $10,133-54.1% |