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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 | $49,258 | $90,400-45.5% | $186,193-73.5% | $87,485-43.7% |
| Participation rate | 16.0% | 66.2%-50.2pp | 77.1%-61.1pp | 68.9%-52.9pp |
| Annual return | 6.21% | 22.15%-15.9pp | 78.03%-71.8pp | 26.06%-19.8pp |
| Employer contribution / active EE | $343 | $2,170-84.2% | $3,918-91.2% | $2,596-86.8% |
| Participant deferral / active EE | $1,635 | $4,330-62.2% | $6,513-74.9% | $4,274-61.7% |
| Admin fee / account holder | $4,632 | $8,673-46.6% | $11,058-58.1% | $7,775-40.4% |