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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 | $49,601 | $76,551-35.2% | $123,894-60.0% | $62,881-21.1% |
| Participation rate | 58.1% | 73.0%-14.9pp | 81.4%-23.3pp | 69.3%-11.2pp |
| Annual return | 3.49% | 18.68%-15.2pp | 47.52%-44.0pp | 20.14%-16.7pp |
| Employer contribution / active EE | $366 | $2,882-87.3% | $4,617-92.1% | $2,281-83.9% |
| Participant deferral / active EE | $3,856 | $4,840-20.3% | $5,984-35.6% | $3,203+20.4% |
| Admin fee / account holder | $2,881 | $4,826-40.3% | $8,357-65.5% | $4,296-32.9% |