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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 | $65,146 | $95,453-31.8% | $112,040-41.9% | $82,448-21.0% |
| Participation rate | 48.4% | 72.8%-24.4pp | 76.5%-28.1pp | 68.1%-19.7pp |
| Annual return | 9.68% | 23.92%-14.2pp | 24.52%-14.8pp | 41.64%-32.0pp |
| Employer contribution / active EE | $213 | $2,318-90.8% | $2,954-92.8% | $2,551-91.7% |
| Participant deferral / active EE | $2,278 | $4,224-46.1% | $5,098-55.3% | $4,139-45.0% |
| Admin fee / account holder | $5,230 | $9,013-42.0% | $12,098-56.8% | $7,234-27.7% |