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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 | $42,803 | $95,453-55.2% | $112,040-61.8% | $82,448-48.1% |
| Participation rate | 57.7% | 72.8%-15.1pp | 76.5%-18.8pp | 68.1%-10.4pp |
| Annual return | 6.18% | 23.92%-17.7pp | 24.52%-18.3pp | 41.64%-35.5pp |
| Employer contribution / active EE | $651 | $2,318-71.9% | $2,954-78.0% | $2,551-74.5% |
| Participant deferral / active EE | $2,669 | $4,224-36.8% | $5,098-47.7% | $4,139-35.5% |
| Admin fee / account holder | $7,504 | $9,013-16.7% | $12,098-38.0% | $7,234+3.7% |