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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 | $50,074 | $81,504-38.6% | $102,437-51.1% | $80,959-38.1% |
| Participation rate | 54.8% | 66.9%-12.0pp | 74.5%-19.7pp | 67.7%-12.8pp |
| Annual return | 9.71% | 25.60%-15.9pp | 24.95%-15.2pp | 35.67%-26.0pp |
| Employer contribution / active EE | $436 | $3,104-85.9% | $3,871-88.7% | $2,757-84.2% |
| Participant deferral / active EE | $2,251 | $3,871-41.8% | $5,060-55.5% | $4,300-47.7% |
| Admin fee / account holder | $1,714 | $6,719-74.5% | $8,388-79.6% | $6,925-75.2% |