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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 | $45,287 | $58,627-22.8% | $76,735-41.0% | $82,448-45.1% |
| Participation rate | 43.8% | 63.2%-19.5pp | 69.5%-25.7pp | 68.1%-24.3pp |
| Annual return | 12.97% | 39.10%-26.1pp | 29.77%-16.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $256 | $1,729-85.2% | $2,454-89.6% | $2,551-90.0% |
| Participant deferral / active EE | $1,715 | $3,134-45.3% | $4,088-58.0% | $4,139-58.6% |
| Admin fee / account holder | $5,360 | $5,323+0.7% | $7,189-25.4% | $7,234-25.9% |