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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 | $60,698 | $86,949-30.2% | $102,460-40.8% | $80,959-25.0% |
| Participation rate | 59.7% | 72.4%-12.6pp | 76.5%-16.8pp | 67.7%-7.9pp |
| Annual return | 9.13% | 18.89%-9.8pp | 29.47%-20.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $608 | $2,370-74.4% | $3,025-79.9% | $2,757-78.0% |
| Participant deferral / active EE | $2,012 | $4,121-51.2% | $5,056-60.2% | $4,300-53.2% |
| Admin fee / account holder | $5,480 | $8,048-31.9% | $9,460-42.1% | $6,925-20.9% |