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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 | $66,232 | $67,602-2.0% | $82,312-19.5% | $70,126-5.6% |
| Participation rate | 57.4% | 72.8%-15.3pp | 76.9%-19.4pp | 69.5%-12.1pp |
| Annual return | 11.18% | 21.57%-10.4pp | 25.88%-14.7pp | 73.15%-62.0pp |
| Employer contribution / active EE | $197 | $1,755-88.7% | $2,428-91.9% | $2,343-91.6% |
| Participant deferral / active EE | $1,628 | $2,987-45.5% | $3,706-56.1% | $3,332-51.1% |
| Admin fee / account holder | $2,142 | $4,512-52.5% | $5,608-61.8% | $4,645-53.9% |