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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 | $42,543 | $58,851-27.7% | $115,167-63.1% | $72,976-41.7% |
| Participation rate | 48.2% | 65.5%-17.3pp | 75.9%-27.7pp | 69.5%-21.3pp |
| Annual return | 15.18% | 23.16%-8.0pp | 35.60%-20.4pp | 81.02%-65.8pp |
| Employer contribution / active EE | $254 | $1,798-85.9% | $3,179-92.0% | $2,440-89.6% |
| Participant deferral / active EE | $1,592 | $2,643-39.7% | $4,169-61.8% | $3,608-55.9% |
| Admin fee / account holder | $2,418 | $6,370-62.0% | $7,089-65.9% | $5,124-52.8% |