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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 | $50,173 | $181,896-72.4% | $156,551-68.0% | $273,972-81.7% |
| Participation rate | 63.6% | 88.4%-24.7pp | 84.0%-20.4pp | 83.0%-19.4pp |
| Annual return | 2.71% | 30.74%-28.0pp | 32.23%-29.5pp | 41.46%-38.7pp |
| Employer contribution / active EE | $944 | $6,248-84.9% | $5,501-82.8% | $4,869-80.6% |
| Participant deferral / active EE | $5,600 | $5,550+0.9% | $4,871+15.0% | $5,287+5.9% |
| Admin fee / account holder | $48,375 | $15,560+210.9% | $13,028+271.3% | $10,133+377.4% |