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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 | $97,550-56.1% | $120,344-64.4% | $87,485-51.1% |
| Participation rate | 57.7% | 72.8%-15.1pp | 76.7%-19.0pp | 68.9%-11.2pp |
| Annual return | 6.18% | 18.41%-12.2pp | 20.30%-14.1pp | 26.06%-19.9pp |
| Employer contribution / active EE | $651 | $2,291-71.6% | $3,020-78.5% | $2,596-74.9% |
| Participant deferral / active EE | $2,669 | $4,230-36.9% | $5,135-48.0% | $4,274-37.6% |
| Admin fee / account holder | $7,504 | $9,543-21.4% | $12,742-41.1% | $7,775-3.5% |