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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 | $48,880 | $72,486-32.6% | $87,103-43.9% | $72,976-33.0% |
| Participation rate | 63.6% | 72.8%-9.2pp | 76.9%-13.2pp | 69.5%-5.9pp |
| Annual return | 14.32% | 24.46%-10.1pp | 28.19%-13.9pp | 81.02%-66.7pp |
| Employer contribution / active EE | $258 | $1,894-86.4% | $2,521-89.8% | $2,440-89.4% |
| Participant deferral / active EE | $2,210 | $3,270-32.4% | $4,049-45.4% | $3,608-38.7% |
| Admin fee / account holder | $17,932 | $5,055+254.8% | $7,491+139.4% | $5,124+250.0% |