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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 | $53,325 | $81,276-34.4% | $155,574-65.7% | $80,925-34.1% |
| Participation rate | 43.5% | 66.2%-22.8pp | 78.2%-34.7pp | 67.7%-24.2pp |
| Annual return | 10.58% | 33.36%-22.8pp | 64.87%-54.3pp | 35.65%-25.1pp |
| Employer contribution / active EE | $255 | $3,103-91.8% | $4,676-94.5% | $2,756-90.7% |
| Participant deferral / active EE | $2,519 | $3,453-27.0% | $5,629-55.2% | $4,299-41.4% |
| Admin fee / account holder | $6,267 | $7,993-21.6% | $15,914-60.6% | $6,940-9.7% |