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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 | $40,132 | $67,602-40.6% | $82,312-51.2% | $70,126-42.8% |
| Participation rate | 64.8% | 72.8%-8.0pp | 76.9%-12.1pp | 69.5%-4.7pp |
| Annual return | 8.27% | 21.57%-13.3pp | 25.88%-17.6pp | 73.15%-64.9pp |
| Employer contribution / active EE | $175 | $1,755-90.0% | $2,428-92.8% | $2,343-92.5% |
| Participant deferral / active EE | $1,773 | $2,987-40.7% | $3,706-52.2% | $3,332-46.8% |
| Admin fee / account holder | $593 | $4,512-86.9% | $5,608-89.4% | $4,645-87.2% |