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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 | $54,095 | $87,733-38.3% | $106,551-49.2% | $85,856-37.0% |
| Participation rate | 63.1% | 71.9%-8.9pp | 76.1%-13.1pp | 69.3%-6.2pp |
| Annual return | 10.09% | 21.86%-11.8pp | 26.80%-16.7pp | 318.58%-308.5pp |
| Employer contribution / active EE | $446 | $2,073-78.5% | $2,819-84.2% | $2,565-82.6% |
| Participant deferral / active EE | $2,364 | $3,469-31.9% | $4,398-46.2% | $3,952-40.2% |
| Admin fee / account holder | $1,232 | $6,767-81.8% | $7,408-83.4% | $6,261-80.3% |