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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 | $57,474 | $59,440-3.3% | $78,004-26.3% | $82,637-30.4% |
| Participation rate | 20.0% | 62.8%-42.8pp | 69.4%-49.4pp | 68.1%-48.1pp |
| Annual return | 12.06% | 40.24%-28.2pp | 31.07%-19.0pp | 53.51%-41.4pp |
| Employer contribution / active EE | $254 | $1,750-85.5% | $2,469-89.7% | $2,552-90.0% |
| Participant deferral / active EE | $1,330 | $3,138-57.6% | $4,092-67.5% | $4,126-67.8% |
| Admin fee / account holder | $6,331 | $5,504+15.0% | $7,578-16.4% | $7,339-13.7% |