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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 | $55,989 | $90,674-38.3% | $96,707-42.1% | $82,448-32.1% |
| Participation rate | 25.0% | 75.9%-50.9pp | 80.4%-55.4pp | 68.1%-43.1pp |
| Annual return | 12.90% | 49.05%-36.2pp | 34.78%-21.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $937 | $3,975-76.4% | $4,191-77.6% | $2,551-63.3% |
| Participant deferral / active EE | $2,825 | $5,696-50.4% | $5,997-52.9% | $4,139-31.8% |
| Admin fee / account holder | $7,912 | $7,568+4.5% | $7,503+5.4% | $7,234+9.4% |