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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 | $54,144 | $112,729-52.0% | $98,716-45.2% | $137,256-60.6% |
| Participation rate | 33.3% | 74.2%-40.9pp | 69.3%-36.0pp | 80.0%-46.6pp |
| Annual return | 6.57% | 38.48%-31.9pp | 31.81%-25.2pp | 220.34%-213.8pp |
| Employer contribution / active EE | $225 | $2,725-91.7% | $2,279-90.1% | $4,156-94.6% |
| Participant deferral / active EE | $4,333 | $4,640-6.6% | $4,048+7.1% | $6,407-32.4% |
| Admin fee / account holder | $3,207 | $10,129-68.3% | $8,703-63.2% | $12,270-73.9% |