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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 | $47,091 | $91,424-48.5% | $135,942-65.4% | $71,495-34.1% |
| Participation rate | 60.7% | 75.7%-15.0pp | 81.9%-21.2pp | 67.9%-7.3pp |
| Annual return | 12.08% | 29.90%-17.8pp | 68.28%-56.2pp | 28.85%-16.8pp |
| Employer contribution / active EE | $475 | $3,704-87.2% | $4,858-90.2% | $2,589-81.7% |
| Participant deferral / active EE | $3,285 | $7,092-53.7% | $7,759-57.7% | $4,291-23.4% |
| Admin fee / account holder | $7,829 | $1,266+518.3% | $10,764-27.3% | $1,588+393.1% |