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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 | $57,244 | $69,383-17.5% | $101,264-43.5% | $73,493-22.1% |
| Participation rate | 48.7% | 68.4%-19.7pp | 75.8%-27.1pp | 70.7%-22.0pp |
| Annual return | 8.88% | 18.46%-9.6pp | 46.48%-37.6pp | 28.51%-19.6pp |
| Employer contribution / active EE | $503 | $2,628-80.9% | $3,660-86.2% | $2,270-77.8% |
| Participant deferral / active EE | $2,198 | $3,301-33.4% | $4,370-49.7% | $3,740-41.2% |
| Admin fee / account holder | $8,181 | $704+1062.3% | $5,947+37.6% | $513+1494.4% |