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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 | $47,803 | $64,359-25.7% | $90,161-47.0% | $70,126-31.8% |
| Participation rate | 35.5% | 70.4%-34.9pp | 76.9%-41.4pp | 69.5%-34.1pp |
| Annual return | 14.37% | 28.13%-13.8pp | 34.89%-20.5pp | 73.15%-58.8pp |
| Employer contribution / active EE | $97 | $2,046-95.3% | $3,318-97.1% | $2,343-95.9% |
| Participant deferral / active EE | $2,269 | $4,389-48.3% | $5,287-57.1% | $3,332-31.9% |
| Admin fee / account holder | $1,447 | $3,945-63.3% | $5,943-75.6% | $4,645-68.8% |