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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 | $39,282 | $72,027-45.5% | $185,861-78.9% | $79,856-50.8% |
| Participation rate | 50.0% | 65.8%-15.8pp | 78.0%-28.0pp | 69.6%-19.6pp |
| Annual return | 9.25% | 23.13%-13.9pp | 35.96%-26.7pp | 31.71%-22.5pp |
| Employer contribution / active EE | $175 | $1,965-91.1% | $4,088-95.7% | $2,471-92.9% |
| Participant deferral / active EE | $1,794 | $3,780-52.5% | $5,634-68.2% | $3,741-52.1% |
| Admin fee / account holder | $8,578 | $4,513+90.1% | $9,503-9.7% | $5,306+61.7% |