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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 | $57,187 | $58,848-2.8% | $88,179-35.1% | $82,637-30.8% |
| Participation rate | 43.2% | 57.9%-14.7pp | 69.1%-26.0pp | 68.1%-24.9pp |
| Annual return | 13.14% | 22.76%-9.6pp | 64.97%-51.8pp | 53.51%-40.4pp |
| Employer contribution / active EE | $53 | $1,678-96.9% | $2,549-97.9% | $2,552-97.9% |
| Participant deferral / active EE | $1,712 | $3,124-45.2% | $4,614-62.9% | $4,126-58.5% |
| Admin fee / account holder | $4,351 | $4,795-9.3% | $7,673-43.3% | $7,339-40.7% |