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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 | $72,880 | $86,919-16.2% | $102,457-28.9% | $80,911-9.9% |
| Participation rate | 64.3% | 72.4%-8.1pp | 76.5%-12.2pp | 67.6%-3.4pp |
| Annual return | 9.70% | 18.90%-9.2pp | 29.41%-19.7pp | 35.63%-25.9pp |
| Employer contribution / active EE | $417 | $2,368-82.4% | $3,022-86.2% | $2,756-84.9% |
| Participant deferral / active EE | $2,031 | $4,119-50.7% | $5,054-59.8% | $4,297-52.7% |
| Admin fee / account holder | $21,271 | $8,049+164.3% | $9,451+125.1% | $6,935+206.7% |