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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 | $45,718 | $100,194-54.4% | $122,979-62.8% | $86,983-47.4% |
| Participation rate | 53.3% | 73.0%-19.6pp | 77.2%-23.9pp | 69.5%-16.2pp |
| Annual return | 8.85% | 16.47%-7.6pp | 20.12%-11.3pp | 25.83%-17.0pp |
| Employer contribution / active EE | $300 | $2,326-87.1% | $3,062-90.2% | $2,584-88.4% |
| Participant deferral / active EE | $2,204 | $4,133-46.7% | $5,003-55.9% | $4,194-47.4% |
| Admin fee / account holder | $3,693 | $10,148-63.6% | $12,864-71.3% | $7,856-53.0% |