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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 | $46,622 | $72,273-35.5% | $101,275-54.0% | $79,856-41.6% |
| Participation rate | 14.6% | 68.5%-53.8pp | 75.8%-61.2pp | 69.6%-55.0pp |
| Annual return | 3.45% | 22.30%-18.8pp | 46.48%-43.0pp | 31.71%-28.3pp |
| Employer contribution / active EE | $403 | $2,691-85.0% | $3,660-89.0% | $2,471-83.7% |
| Participant deferral / active EE | $1,517 | $3,282-53.8% | $4,371-65.3% | $3,741-59.5% |
| Admin fee / account holder | $2,353 | $4,401-46.5% | $5,948-60.4% | $5,306-55.7% |