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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 | $49,022 | $93,345-47.5% | $119,126-58.8% | $87,485-44.0% |
| Participation rate | 60.7% | 68.7%-8.0pp | 75.8%-15.0pp | 68.9%-8.2pp |
| Annual return | 8.12% | 19.08%-11.0pp | 282.11%-274.0pp | 26.06%-17.9pp |
| Employer contribution / active EE | $555 | $3,172-82.5% | $4,034-86.2% | $2,596-78.6% |
| Participant deferral / active EE | $2,405 | $4,099-41.3% | $5,318-54.8% | $4,274-43.7% |
| Admin fee / account holder | $18,295 | $8,039+127.6% | $10,693+71.1% | $7,775+135.3% |