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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 | $86,919-44.2% | $102,457-52.6% | $80,911-40.0% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.6%-17.6pp |
| Annual return | 10.35% | 18.90%-8.5pp | 29.41%-19.1pp | 35.63%-25.3pp |
| Employer contribution / active EE | $283 | $2,368-88.1% | $3,022-90.6% | $2,756-89.7% |
| Participant deferral / active EE | $1,920 | $4,119-53.4% | $5,054-62.0% | $4,297-55.3% |
| Admin fee / account holder | $6,173 | $8,049-23.3% | $9,451-34.7% | $6,935-11.0% |