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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 | $49,582 | $52,884-6.2% | $84,753-41.5% | $55,167-10.1% |
| Participation rate | 23.5% | 67.5%-44.0pp | 76.6%-53.1pp | 69.0%-45.5pp |
| Annual return | 2.97% | 18.03%-15.1pp | 22.78%-19.8pp | 169.23%-166.3pp |
| Employer contribution / active EE | $301 | $2,233-86.5% | $3,574-91.6% | $1,963-84.6% |
| Participant deferral / active EE | $1,625 | $2,644-38.5% | $3,712-56.2% | $3,054-46.8% |
| Admin fee / account holder | $2,120 | $581+265.2% | $5,333-60.2% | $504+320.8% |