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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 | $51,912 | $89,515-42.0% | $103,065-49.6% | $80,959-35.9% |
| Participation rate | 46.7% | 76.0%-29.3pp | 80.6%-33.9pp | 67.7%-21.0pp |
| Annual return | 10.17% | 22.82%-12.6pp | 23.95%-13.8pp | 35.67%-25.5pp |
| Employer contribution / active EE | $249 | $4,015-93.8% | $4,675-94.7% | $2,757-91.0% |
| Participant deferral / active EE | $2,643 | $5,463-51.6% | $6,625-60.1% | $4,300-38.5% |
| Admin fee / account holder | $535 | $6,527-91.8% | $9,349-94.3% | $6,925-92.3% |