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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 | $45,238 | $123,793-63.5% | $177,827-74.6% | $79,858-43.4% |
| Participation rate | 63.6% | 84.7%-21.0pp | 87.7%-24.1pp | 69.6%-6.0pp |
| Annual return | 7.72% | 22.82%-15.1pp | 48.32%-40.6pp | 31.72%-24.0pp |
| Employer contribution / active EE | $730 | $4,095-82.2% | $5,918-87.7% | $2,471-70.4% |
| Participant deferral / active EE | $5,893 | $5,956-1.1% | $7,713-23.6% | $3,740+57.6% |
| Admin fee / account holder | $3,263 | $7,243-54.9% | $12,429-73.7% | $5,306-38.5% |