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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 | $68,920 | $80,985-14.9% | $96,576-28.6% | $75,181-8.3% |
| Participation rate | 48.5% | 71.8%-23.3pp | 76.0%-27.5pp | 67.2%-18.7pp |
| Annual return | 12.71% | 27.05%-14.3pp | 25.87%-13.2pp | 160.69%-148.0pp |
| Employer contribution / active EE | $393 | $2,282-82.8% | $2,965-86.7% | $2,671-85.3% |
| Participant deferral / active EE | $2,458 | $3,929-37.4% | $4,851-49.3% | $4,126-40.4% |
| Admin fee / account holder | $2,747 | $6,719-59.1% | $8,253-66.7% | $5,650-51.4% |