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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 | $45,371 | $91,559-50.4% | $133,978-66.1% | $79,856-43.2% |
| Participation rate | 63.5% | 73.3%-9.9pp | 79.8%-16.4pp | 69.6%-6.2pp |
| Annual return | 5.88% | 61.85%-56.0pp | 45.10%-39.2pp | 31.71%-25.8pp |
| Employer contribution / active EE | $351 | $2,384-85.3% | $3,919-91.0% | $2,471-85.8% |
| Participant deferral / active EE | $3,515 | $3,734-5.9% | $5,047-30.4% | $3,741-6.0% |
| Admin fee / account holder | $473 | $6,321-92.5% | $8,930-94.7% | $5,306-91.1% |