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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 | $57,137 | $72,492-21.2% | $87,104-34.4% | $72,975-21.7% |
| Participation rate | 67.3% | 72.8%-5.5pp | 76.9%-9.6pp | 69.5%-2.2pp |
| Annual return | 3.44% | 24.46%-21.0pp | 28.19%-24.8pp | 81.01%-77.6pp |
| Employer contribution / active EE | $398 | $1,894-79.0% | $2,521-84.2% | $2,440-83.7% |
| Participant deferral / active EE | $2,184 | $3,270-33.2% | $4,048-46.0% | $3,608-39.4% |
| Admin fee / account holder | $1,534 | $5,055-69.7% | $7,491-79.5% | $5,124-70.1% |