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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 | $54,348 | $78,423-30.7% | $95,964-43.4% | $79,856-31.9% |
| Participation rate | 46.2% | 73.5%-27.3pp | 77.1%-30.9pp | 69.6%-23.5pp |
| Annual return | 3.15% | 19.37%-16.2pp | 91.64%-88.5pp | 31.71%-28.6pp |
| Employer contribution / active EE | $357 | $1,945-81.7% | $2,541-86.0% | $2,471-85.6% |
| Participant deferral / active EE | $2,076 | $3,440-39.7% | $4,167-50.2% | $3,741-44.5% |
| Admin fee / account holder | $402 | $5,622-92.8% | $6,797-94.1% | $5,306-92.4% |