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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 | $40,070 | $74,535-46.2% | $100,712-60.2% | $82,637-51.5% |
| Participation rate | 54.2% | 61.2%-7.0pp | 69.3%-15.1pp | 68.1%-13.9pp |
| Annual return | 11.12% | 18.92%-7.8pp | 33.27%-22.1pp | 53.51%-42.4pp |
| Employer contribution / active EE | $275 | $1,503-81.7% | $2,313-88.1% | $2,552-89.2% |
| Participant deferral / active EE | $1,639 | $3,074-46.7% | $4,085-59.9% | $4,126-60.3% |
| Admin fee / account holder | $1,926 | $6,576-70.7% | $9,256-79.2% | $7,339-73.8% |