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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 | $54,505 | $67,602-19.4% | $82,312-33.8% | $70,126-22.3% |
| Participation rate | 38.1% | 72.8%-34.7pp | 76.9%-38.8pp | 69.5%-31.4pp |
| Annual return | 12.09% | 21.57%-9.5pp | 25.88%-13.8pp | 73.15%-61.1pp |
| Employer contribution / active EE | $242 | $1,755-86.2% | $2,428-90.0% | $2,343-89.7% |
| Participant deferral / active EE | $2,420 | $2,987-19.0% | $3,706-34.7% | $3,332-27.4% |
| Admin fee / account holder | $4,823 | $4,512+6.9% | $5,608-14.0% | $4,645+3.8% |