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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 | $49,347 | $72,492-31.9% | $87,102-43.3% | $72,983-32.4% |
| Participation rate | 57.3% | 72.8%-15.5pp | 76.9%-19.6pp | 69.5%-12.2pp |
| Annual return | 15.83% | 24.46%-8.6pp | 28.19%-12.4pp | 81.01%-65.2pp |
| Employer contribution / active EE | $350 | $1,894-81.5% | $2,521-86.1% | $2,440-85.7% |
| Participant deferral / active EE | $2,349 | $3,270-28.1% | $4,048-42.0% | $3,608-34.9% |
| Admin fee / account holder | $2,665 | $5,055-47.3% | $7,491-64.4% | $5,124-48.0% |