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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 | $41,919 | $55,932-25.1% | $76,735-45.4% | $67,986-38.3% |
| Participation rate | 47.2% | 50.8%-3.6pp | 69.5%-22.3pp | 57.2%-10.0pp |
| Annual return | 11.42% | 23.10%-11.7pp | 29.77%-18.3pp | 31.67%-20.2pp |
| Employer contribution / active EE | $197 | $1,487-86.7% | $2,454-92.0% | $2,019-90.2% |
| Participant deferral / active EE | $2,021 | $2,558-21.0% | $4,088-50.6% | $3,358-39.8% |
| Admin fee / account holder | $2,168 | $4,907-55.8% | $7,189-69.8% | $3,203-32.3% |