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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 | $44,478 | $99,994-55.5% | $146,643-69.7% | $85,847-48.2% |
| Participation rate | 55.9% | 73.1%-17.2pp | 80.1%-24.2pp | 69.3%-13.4pp |
| Annual return | 8.66% | 18.93%-10.3pp | 22.75%-14.1pp | 318.61%-309.9pp |
| Employer contribution / active EE | $622 | $2,559-75.7% | $4,137-85.0% | $2,565-75.8% |
| Participant deferral / active EE | $2,719 | $4,006-32.1% | $5,506-50.6% | $3,952-31.2% |
| Admin fee / account holder | $3,233 | $7,703-58.0% | $10,280-68.6% | $6,261-48.4% |