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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 | $54,265 | $78,425-30.8% | $95,956-43.4% | $79,858-32.0% |
| Participation rate | 37.5% | 73.5%-36.0pp | 77.1%-39.6pp | 69.6%-32.1pp |
| Annual return | 10.01% | 19.37%-9.4pp | 91.63%-81.6pp | 31.72%-21.7pp |
| Employer contribution / active EE | $209 | $1,945-89.3% | $2,541-91.8% | $2,471-91.6% |
| Participant deferral / active EE | $1,726 | $3,440-49.8% | $4,167-58.6% | $3,740-53.8% |
| Admin fee / account holder | $7,485 | $5,622+33.1% | $6,797+10.1% | $5,306+41.1% |