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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 | $30,844 | $86,940-64.5% | $102,434-69.9% | $80,935-61.9% |
| Participation rate | 60.0% | 72.4%-12.4pp | 76.5%-16.5pp | 67.7%-7.7pp |
| Annual return | 7.45% | 18.89%-11.4pp | 29.46%-22.0pp | 35.66%-28.2pp |
| Employer contribution / active EE | $566 | $2,370-76.1% | $3,023-81.3% | $2,757-79.5% |
| Participant deferral / active EE | $2,420 | $4,121-41.3% | $5,055-52.1% | $4,299-43.7% |
| Admin fee / account holder | $2,843 | $8,047-64.7% | $9,462-70.0% | $6,924-58.9% |