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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 | $93,345-36.2% | $119,126-50.0% | $87,485-31.9% |
| Participation rate | 29.6% | 68.7%-39.1pp | 75.8%-46.1pp | 68.9%-39.3pp |
| Annual return | 11.04% | 19.08%-8.0pp | 282.11%-271.1pp | 26.06%-15.0pp |
| Employer contribution / active EE | $603 | $3,172-81.0% | $4,034-85.1% | $2,596-76.8% |
| Participant deferral / active EE | $2,375 | $4,099-42.1% | $5,318-55.3% | $4,274-44.4% |
| Admin fee / account holder | $6,119 | $8,039-23.9% | $10,693-42.8% | $7,775-21.3% |