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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 | $45,127 | $80,985-44.3% | $96,576-53.3% | $75,181-40.0% |
| Participation rate | 61.3% | 71.8%-10.5pp | 76.0%-14.7pp | 67.2%-5.9pp |
| Annual return | 11.49% | 27.05%-15.6pp | 25.87%-14.4pp | 160.69%-149.2pp |
| Employer contribution / active EE | $128 | $2,282-94.4% | $2,965-95.7% | $2,671-95.2% |
| Participant deferral / active EE | $2,567 | $3,929-34.7% | $4,851-47.1% | $4,126-37.8% |
| Admin fee / account holder | $4,190 | $6,719-37.6% | $8,253-49.2% | $5,650-25.8% |