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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 | $60,120 | $83,898-28.3% | $133,346-54.9% | $94,015-36.1% |
| Participation rate | 46.6% | 63.4%-16.8pp | 72.8%-26.3pp | 70.8%-24.2pp |
| Annual return | 8.03% | 16.00%-8.0pp | 36.85%-28.8pp | 17.84%-9.8pp |
| Employer contribution / active EE | $185 | $1,821-89.9% | $2,853-93.5% | $2,790-93.4% |
| Participant deferral / active EE | $2,527 | $3,245-22.1% | $4,332-41.7% | $4,249-40.5% |
| Admin fee / account holder | $2,585 | $7,809-66.9% | $14,264-81.9% | $8,951-71.1% |