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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 | $53,954 | $73,978-27.1% | $96,515-44.1% | $75,173-28.2% |
| Participation rate | 41.3% | 66.4%-25.1pp | 74.3%-33.0pp | 67.2%-25.9pp |
| Annual return | 12.84% | 26.72%-13.9pp | 35.73%-22.9pp | 160.72%-147.9pp |
| Employer contribution / active EE | $270 | $2,931-90.8% | $3,740-92.8% | $2,671-89.9% |
| Participant deferral / active EE | $2,298 | $3,660-37.2% | $4,880-52.9% | $4,126-44.3% |
| Admin fee / account holder | $4,868 | $5,219-6.7% | $6,735-27.7% | $5,651-13.9% |