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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 | $45,029 | $60,349-25.4% | $74,184-39.3% | $62,881-28.4% |
| Participation rate | 50.8% | 72.7%-22.0pp | 76.6%-25.8pp | 69.3%-18.5pp |
| Annual return | 4.12% | 21.38%-17.3pp | 17.74%-13.6pp | 20.14%-16.0pp |
| Employer contribution / active EE | $137 | $1,680-91.8% | $2,370-94.2% | $2,281-94.0% |
| Participant deferral / active EE | $1,781 | $2,856-37.7% | $3,550-49.8% | $3,203-44.4% |
| Admin fee / account holder | $4,859 | $4,261+14.1% | $5,586-13.0% | $4,296+13.1% |