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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 | $48,589 | $47,848+1.5% | $81,473-40.4% | $70,126-30.7% |
| Participation rate | 34.4% | 58.3%-23.9pp | 68.0%-33.6pp | 69.5%-35.2pp |
| Annual return | 12.24% | 27.25%-15.0pp | 38.78%-26.5pp | 73.15%-60.9pp |
| Employer contribution / active EE | $70 | $1,527-95.4% | $2,568-97.3% | $2,343-97.0% |
| Participant deferral / active EE | $2,069 | $2,453-15.7% | $3,537-41.5% | $3,332-37.9% |
| Admin fee / account holder | $506 | $3,145-83.9% | $4,561-88.9% | $4,645-89.1% |