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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 | $62,036 | $86,949-28.7% | $102,460-39.5% | $80,959-23.4% |
| Participation rate | 42.2% | 72.4%-30.2pp | 76.5%-34.3pp | 67.7%-25.4pp |
| Annual return | 9.99% | 18.89%-8.9pp | 29.47%-19.5pp | 35.67%-25.7pp |
| Employer contribution / active EE | $559 | $2,370-76.4% | $3,025-81.5% | $2,757-79.7% |
| Participant deferral / active EE | $2,074 | $4,121-49.7% | $5,056-59.0% | $4,300-51.8% |
| Admin fee / account holder | $23,093 | $8,048+187.0% | $9,460+144.1% | $6,925+233.5% |