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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 | $47,795 | $114,712-58.3% | $173,730-72.5% | $87,485-45.4% |
| Participation rate | 61.4% | 73.0%-11.6pp | 79.6%-18.2pp | 68.9%-7.6pp |
| Annual return | 9.90% | 20.18%-10.3pp | 19.96%-10.1pp | 26.06%-16.2pp |
| Employer contribution / active EE | $5 | $2,904-99.8% | $4,577-99.9% | $2,596-99.8% |
| Participant deferral / active EE | $2,916 | $4,642-37.2% | $6,326-53.9% | $4,274-31.8% |
| Admin fee / account holder | $17,008 | $10,210+66.6% | $17,523-2.9% | $7,775+118.8% |