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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 | $58,249 | $93,598-37.8% | $135,974-57.2% | $75,173-22.5% |
| Participation rate | 50.0% | 75.2%-25.2pp | 81.9%-31.9pp | 67.2%-17.2pp |
| Annual return | 13.89% | 30.89%-17.0pp | 68.30%-54.4pp | 160.72%-146.8pp |
| Employer contribution / active EE | $598 | $3,538-83.1% | $4,859-87.7% | $2,671-77.6% |
| Participant deferral / active EE | $3,228 | $6,405-49.6% | $7,760-58.4% | $4,126-21.8% |
| Admin fee / account holder | $2,834 | $6,978-59.4% | $10,767-73.7% | $5,651-49.8% |