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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 | $74,535-19.3% | $100,712-40.3% | $82,637-27.2% |
| Participation rate | 46.6% | 61.2%-14.6pp | 69.3%-22.7pp | 68.1%-21.5pp |
| Annual return | 8.03% | 18.92%-10.9pp | 33.27%-25.2pp | 53.51%-45.5pp |
| Employer contribution / active EE | $185 | $1,503-87.7% | $2,313-92.0% | $2,552-92.8% |
| Participant deferral / active EE | $2,527 | $3,074-17.8% | $4,085-38.1% | $4,126-38.8% |
| Admin fee / account holder | $2,585 | $6,576-60.7% | $9,256-72.1% | $7,339-64.8% |