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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 | $55,404 | $59,440-6.8% | $78,004-29.0% | $82,637-33.0% |
| Participation rate | 35.6% | 62.8%-27.2pp | 69.4%-33.8pp | 68.1%-32.4pp |
| Annual return | 11.34% | 40.24%-28.9pp | 31.07%-19.7pp | 53.51%-42.2pp |
| Employer contribution / active EE | $70 | $1,750-96.0% | $2,469-97.2% | $2,552-97.3% |
| Participant deferral / active EE | $1,409 | $3,138-55.1% | $4,092-65.6% | $4,126-65.9% |
| Admin fee / account holder | $4,715 | $5,504-14.3% | $7,578-37.8% | $7,339-35.8% |