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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 | $54,823 | $62,177-11.8% | $81,370-32.6% | $74,478-26.4% |
| Participation rate | 39.2% | 64.1%-24.8pp | 69.5%-30.3pp | 67.2%-28.0pp |
| Annual return | 9.28% | 16.62%-7.3pp | 24.85%-15.6pp | 1370.56%-1361.3pp |
| Employer contribution / active EE | $468 | $1,881-75.1% | $2,464-81.0% | $2,626-82.2% |
| Participant deferral / active EE | $1,616 | $3,219-49.8% | $3,885-58.4% | $4,350-62.9% |
| Admin fee / account holder | $5,406 | $1,927+180.5% | $5,749-6.0% | $1,946+177.8% |