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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 | $62,164-11.8% | $81,482-32.7% | $74,400-26.3% |
| Participation rate | 39.2% | 64.1%-24.9pp | 69.5%-30.3pp | 67.2%-28.0pp |
| Annual return | 9.28% | 16.50%-7.2pp | 24.79%-15.5pp | 1367.51%-1358.2pp |
| Employer contribution / active EE | $468 | $1,884-75.2% | $2,463-81.0% | $2,624-82.2% |
| Participant deferral / active EE | $1,616 | $3,230-50.0% | $3,885-58.4% | $4,348-62.8% |
| Admin fee / account holder | $5,406 | $1,923+181.1% | $5,761-6.2% | $1,944+178.1% |