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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 | $56,082 | $76,696-26.9% | $96,515-41.9% | $71,511-21.6% |
| Participation rate | 59.7% | 66.6%-6.9pp | 74.3%-14.7pp | 67.9%-8.2pp |
| Annual return | 11.62% | 48.32%-36.7pp | 35.73%-24.1pp | 28.86%-17.2pp |
| Employer contribution / active EE | $745 | $3,032-75.4% | $3,740-80.1% | $2,589-71.2% |
| Participant deferral / active EE | $2,243 | $3,770-40.5% | $4,880-54.0% | $4,291-47.7% |
| Admin fee / account holder | $4,870 | $2,030+139.9% | $6,735-27.7% | $1,588+206.6% |