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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 | $58,228 | $81,504-28.6% | $102,437-43.2% | $80,959-28.1% |
| Participation rate | 44.9% | 66.9%-21.9pp | 74.5%-29.6pp | 67.7%-22.7pp |
| Annual return | 9.53% | 25.60%-16.1pp | 24.95%-15.4pp | 35.67%-26.1pp |
| Employer contribution / active EE | $706 | $3,104-77.2% | $3,871-81.7% | $2,757-74.4% |
| Participant deferral / active EE | $2,261 | $3,871-41.6% | $5,060-55.3% | $4,300-47.4% |
| Admin fee / account holder | $2,297 | $6,719-65.8% | $8,388-72.6% | $6,925-66.8% |