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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 | $48,544 | $86,949-44.2% | $102,460-52.6% | $80,959-40.0% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.7%-17.7pp |
| Annual return | 10.35% | 18.89%-8.5pp | 29.47%-19.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $283 | $2,370-88.1% | $3,025-90.7% | $2,757-89.7% |
| Participant deferral / active EE | $1,920 | $4,121-53.4% | $5,056-62.0% | $4,300-55.4% |
| Admin fee / account holder | $6,173 | $8,048-23.3% | $9,460-34.8% | $6,925-10.9% |