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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 | $84,953-42.0% | $163,379-69.9% | $82,637-40.4% |
| Participation rate | 16.0% | 65.9%-49.9pp | 76.8%-60.8pp | 68.1%-52.1pp |
| Annual return | 6.21% | 23.07%-16.9pp | 63.41%-57.2pp | 53.51%-47.3pp |
| Employer contribution / active EE | $343 | $2,183-84.3% | $3,752-90.9% | $2,552-86.6% |
| Participant deferral / active EE | $1,635 | $4,326-62.2% | $6,282-74.0% | $4,126-60.4% |
| Admin fee / account holder | $4,632 | $7,921-41.5% | $9,818-52.8% | $7,339-36.9% |