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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 | $62,531 | $110,137-43.2% | $161,149-61.2% | $82,637-24.3% |
| Participation rate | 56.8% | 72.4%-15.6pp | 78.8%-22.1pp | 68.1%-11.3pp |
| Annual return | 12.16% | 20.69%-8.5pp | 21.16%-9.0pp | 53.51%-41.3pp |
| Employer contribution / active EE | $610 | $2,856-78.6% | $4,360-86.0% | $2,552-76.1% |
| Participant deferral / active EE | $3,243 | $4,575-29.1% | $6,153-47.3% | $4,126-21.4% |
| Admin fee / account holder | $4,198 | $9,467-55.7% | $15,194-72.4% | $7,339-42.8% |