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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 | $62,552 | $73,955-15.4% | $96,520-35.2% | $75,181-16.8% |
| Participation rate | 42.1% | 66.4%-24.3pp | 74.3%-32.2pp | 67.2%-25.1pp |
| Annual return | 11.46% | 26.72%-15.3pp | 35.72%-24.3pp | 160.69%-149.2pp |
| Employer contribution / active EE | $276 | $2,930-90.6% | $3,739-92.6% | $2,671-89.7% |
| Participant deferral / active EE | $1,873 | $3,659-48.8% | $4,879-61.6% | $4,126-54.6% |
| Admin fee / account holder | $2,860 | $5,217-45.2% | $6,733-57.5% | $5,650-49.4% |