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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 | $51,101 | $123,793-58.7% | $177,827-71.3% | $79,858-36.0% |
| Participation rate | 67.9% | 84.7%-16.8pp | 87.7%-19.9pp | 69.6%-1.8pp |
| Annual return | 9.50% | 22.82%-13.3pp | 48.32%-38.8pp | 31.72%-22.2pp |
| Employer contribution / active EE | $1,040 | $4,095-74.6% | $5,918-82.4% | $2,471-57.9% |
| Participant deferral / active EE | $2,960 | $5,956-50.3% | $7,713-61.6% | $3,740-20.8% |
| Admin fee / account holder | $1,728 | $7,243-76.1% | $12,429-86.1% | $5,306-67.4% |