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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 | $47,099 | $73,981-36.3% | $105,754-55.5% | $62,881-25.1% |
| Participation rate | 60.8% | 71.7%-10.9pp | 78.9%-18.1pp | 69.3%-8.5pp |
| Annual return | 4.62% | 17.60%-13.0pp | 12.25%-7.6pp | 20.14%-15.5pp |
| Employer contribution / active EE | $516 | $2,856-81.9% | $4,079-87.3% | $2,281-77.4% |
| Participant deferral / active EE | $2,064 | $4,038-48.9% | $5,326-61.2% | $3,203-35.6% |
| Admin fee / account holder | $1,476 | $5,976-75.3% | $8,309-82.2% | $4,296-65.6% |