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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 | $46,748 | $87,059-46.3% | $105,608-55.7% | $80,925-42.2% |
| Participation rate | 54.5% | 70.4%-15.9pp | 75.3%-20.7pp | 67.7%-13.1pp |
| Annual return | 7.77% | 17.05%-9.3pp | 116.50%-108.7pp | 35.65%-27.9pp |
| Employer contribution / active EE | $595 | $2,396-75.2% | $3,167-81.2% | $2,756-78.4% |
| Participant deferral / active EE | $1,684 | $3,986-57.7% | $5,010-66.4% | $4,299-60.8% |
| Admin fee / account holder | $1,507 | $8,443-82.1% | $11,028-86.3% | $6,940-78.3% |