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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 | $50,192 | $110,137-54.4% | $161,149-68.9% | $82,637-39.3% |
| Participation rate | 66.7% | 72.4%-5.7pp | 78.8%-12.2pp | 68.1%-1.4pp |
| Annual return | 8.84% | 20.69%-11.8pp | 21.16%-12.3pp | 53.51%-44.7pp |
| Employer contribution / active EE | $648 | $2,856-77.3% | $4,360-85.1% | $2,552-74.6% |
| Participant deferral / active EE | $2,848 | $4,575-37.7% | $6,153-53.7% | $4,126-31.0% |
| Admin fee / account holder | $1,009 | $9,467-89.3% | $15,194-93.4% | $7,339-86.3% |