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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 | $51,861 | $58,627-11.5% | $76,735-32.4% | $82,448-37.1% |
| Participation rate | 28.8% | 63.2%-34.4pp | 69.5%-40.7pp | 68.1%-39.3pp |
| Annual return | 12.04% | 39.10%-27.1pp | 29.77%-17.7pp | 41.64%-29.6pp |
| Employer contribution / active EE | $200 | $1,729-88.4% | $2,454-91.8% | $2,551-92.2% |
| Participant deferral / active EE | $1,217 | $3,134-61.2% | $4,088-70.2% | $4,139-70.6% |
| Admin fee / account holder | $7,376 | $5,323+38.6% | $7,189+2.6% | $7,234+2.0% |