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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 | $56,707 | $71,215-20.4% | $93,696-39.5% | $80,935-29.9% |
| Participation rate | 56.7% | 60.4%-3.7pp | 68.7%-12.1pp | 67.7%-11.0pp |
| Annual return | 9.90% | 11.27%-1.4pp | 133.74%-123.8pp | 35.66%-25.8pp |
| Employer contribution / active EE | $333 | $1,565-78.7% | $2,422-86.2% | $2,757-87.9% |
| Participant deferral / active EE | $2,385 | $4,037-40.9% | $4,417-46.0% | $4,299-44.5% |
| Admin fee / account holder | $1,257 | $6,958-81.9% | $8,287-84.8% | $6,924-81.8% |