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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 | $53,509 | $101,798-47.4% | $165,071-67.6% | $80,935-33.9% |
| Participation rate | 64.3% | 71.8%-7.5pp | 78.6%-14.3pp | 67.7%-3.4pp |
| Annual return | 7.59% | 16.73%-9.1pp | 70.17%-62.6pp | 35.66%-28.1pp |
| Employer contribution / active EE | $310 | $2,954-89.5% | $4,347-92.9% | $2,757-88.7% |
| Participant deferral / active EE | $2,655 | $4,476-40.7% | $6,035-56.0% | $4,299-38.2% |
| Admin fee / account holder | $1,191 | $8,221-85.5% | $12,695-90.6% | $6,924-82.8% |