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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 | $77,684 | $98,776-21.4% | $149,745-48.1% | $79,856-2.7% |
| Participation rate | 47.4% | 75.8%-28.4pp | 82.5%-35.1pp | 69.6%-22.3pp |
| Annual return | 12.25% | 27.38%-15.1pp | 276.72%-264.5pp | 31.71%-19.5pp |
| Employer contribution / active EE | $511 | $3,217-84.1% | $4,646-89.0% | $2,471-79.3% |
| Participant deferral / active EE | $2,627 | $5,681-53.8% | $6,843-61.6% | $3,741-29.8% |
| Admin fee / account holder | $2,259 | $6,053-62.7% | $9,312-75.7% | $5,306-57.4% |