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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 | $63,903 | $72,269-11.6% | $101,271-36.9% | $79,852-20.0% |
| Participation rate | 64.6% | 68.5%-3.8pp | 75.8%-11.2pp | 69.6%-5.0pp |
| Annual return | 6.60% | 22.29%-15.7pp | 46.48%-39.9pp | 31.72%-25.1pp |
| Employer contribution / active EE | $441 | $2,692-83.6% | $3,660-87.9% | $2,471-82.2% |
| Participant deferral / active EE | $2,067 | $3,282-37.0% | $4,371-52.7% | $3,740-44.7% |
| Admin fee / account holder | $2,194 | $4,401-50.1% | $5,948-63.1% | $5,306-58.6% |