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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 | $75,276 | $49,255+52.8% | $70,494+6.8% | $79,856-5.7% |
| Participation rate | 21.1% | 69.2%-48.1pp | 75.1%-54.0pp | 69.6%-48.6pp |
| Annual return | 3.47% | 30.10%-26.6pp | 109.16%-105.7pp | 31.71%-28.2pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,738-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,452 | $2,768-11.4% | $3,711-33.9% | $3,741-34.4% |
| Admin fee / account holder | $3,874 | $2,879+34.6% | $3,848+0.7% | $5,306-27.0% |