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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 | $54,719 | $78,015-29.9% | $178,505-69.3% | $80,959-32.4% |
| Participation rate | 30.2% | 65.7%-35.4pp | 77.1%-46.9pp | 67.7%-37.4pp |
| Annual return | 3.08% | 18.10%-15.0pp | 27.16%-24.1pp | 35.67%-32.6pp |
| Employer contribution / active EE | $454 | $2,281-80.1% | $3,955-88.5% | $2,757-83.5% |
| Participant deferral / active EE | $2,012 | $4,406-54.3% | $6,280-68.0% | $4,300-53.2% |
| Admin fee / account holder | $4,349 | $7,160-39.3% | $10,428-58.3% | $6,925-37.2% |