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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 | $54,586 | $67,602-19.3% | $82,312-33.7% | $70,126-22.2% |
| Participation rate | 50.0% | 72.8%-22.8pp | 76.9%-26.9pp | 69.5%-19.5pp |
| Annual return | 11.31% | 21.57%-10.3pp | 25.88%-14.6pp | 73.15%-61.8pp |
| Employer contribution / active EE | $263 | $1,755-85.0% | $2,428-89.2% | $2,343-88.8% |
| Participant deferral / active EE | $1,628 | $2,987-45.5% | $3,706-56.1% | $3,332-51.1% |
| Admin fee / account holder | $422 | $4,512-90.7% | $5,608-92.5% | $4,645-90.9% |