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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 | $46,291 | $76,551-39.5% | $123,894-62.6% | $62,881-26.4% |
| Participation rate | 60.3% | 73.0%-12.6pp | 81.4%-21.1pp | 69.3%-9.0pp |
| Annual return | 3.52% | 18.68%-15.2pp | 47.52%-44.0pp | 20.14%-16.6pp |
| Employer contribution / active EE | $14 | $2,882-99.5% | $4,617-99.7% | $2,281-99.4% |
| Participant deferral / active EE | $2,279 | $4,840-52.9% | $5,984-61.9% | $3,203-28.8% |
| Admin fee / account holder | $3,748 | $4,826-22.3% | $8,357-55.2% | $4,296-12.7% |