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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 | $57,820 | $59,839-3.4% | $81,988-29.5% | $79,858-27.6% |
| Participation rate | 50.0% | 61.6%-11.6pp | 69.3%-19.3pp | 69.6%-19.6pp |
| Annual return | 10.10% | 17.56%-7.5pp | 41.31%-31.2pp | 31.72%-21.6pp |
| Employer contribution / active EE | $225 | $1,713-86.9% | $2,498-91.0% | $2,471-90.9% |
| Participant deferral / active EE | $1,762 | $2,695-34.6% | $3,722-52.7% | $3,740-52.9% |
| Admin fee / account holder | $1,645 | $4,287-61.6% | $5,665-71.0% | $5,306-69.0% |