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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 | $96,052-41.7% | $118,106-52.6% | $87,485-36.0% |
| Participation rate | 25.0% | 77.0%-52.0pp | 81.9%-56.9pp | 68.9%-43.9pp |
| Annual return | 12.90% | 24.16%-11.3pp | 19.44%-6.5pp | 26.06%-13.2pp |
| Employer contribution / active EE | $937 | $3,939-76.2% | $4,698-80.1% | $2,596-63.9% |
| Participant deferral / active EE | $2,825 | $5,793-51.2% | $6,619-57.3% | $4,274-33.9% |
| Admin fee / account holder | $7,912 | $7,618+3.9% | $8,973-11.8% | $7,775+1.8% |