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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 | $56,445 | $87,132-35.2% | $105,624-46.6% | $80,959-30.3% |
| Participation rate | 53.3% | 70.4%-17.1pp | 75.3%-21.9pp | 67.7%-14.3pp |
| Annual return | 6.00% | 17.03%-11.0pp | 116.20%-110.2pp | 35.67%-29.7pp |
| Employer contribution / active EE | $526 | $2,397-78.1% | $3,168-83.4% | $2,757-80.9% |
| Participant deferral / active EE | $2,497 | $3,985-37.4% | $5,013-50.2% | $4,300-41.9% |
| Admin fee / account holder | $1,816 | $8,449-78.5% | $10,961-83.4% | $6,925-73.8% |