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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 | $35,906 | $86,938-58.7% | $102,423-64.9% | $80,925-55.6% |
| Participation rate | 58.6% | 72.4%-13.8pp | 76.5%-17.9pp | 67.7%-9.1pp |
| Annual return | 7.54% | 18.89%-11.4pp | 29.42%-21.9pp | 35.65%-28.1pp |
| Employer contribution / active EE | $671 | $2,369-71.7% | $3,023-77.8% | $2,756-75.6% |
| Participant deferral / active EE | $2,371 | $4,120-42.5% | $5,054-53.1% | $4,299-44.8% |
| Admin fee / account holder | $7,148 | $8,053-11.2% | $9,455-24.4% | $6,940+3.0% |