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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 | $59,589 | $88,672-32.8% | $105,223-43.4% | $82,448-27.7% |
| Participation rate | 29.6% | 67.9%-38.3pp | 75.0%-45.4pp | 68.1%-38.4pp |
| Annual return | 11.04% | 30.86%-19.8pp | 180.65%-169.6pp | 41.64%-30.6pp |
| Employer contribution / active EE | $603 | $3,048-80.2% | $3,689-83.7% | $2,551-76.4% |
| Participant deferral / active EE | $2,375 | $4,036-41.2% | $5,072-53.2% | $4,139-42.6% |
| Admin fee / account holder | $6,119 | $7,146-14.4% | $8,859-30.9% | $7,234-15.4% |