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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 | $69,927 | $63,904+9.4% | $89,340-21.7% | $67,986+2.9% |
| Participation rate | 42.5% | 54.3%-11.8pp | 69.6%-27.1pp | 57.2%-14.7pp |
| Annual return | 11.97% | 18.09%-6.1pp | 20.57%-8.6pp | 31.67%-19.7pp |
| Employer contribution / active EE | $98 | $1,627-94.0% | $2,231-95.6% | $2,019-95.1% |
| Participant deferral / active EE | $2,099 | $2,691-22.0% | $3,823-45.1% | $3,358-37.5% |
| Admin fee / account holder | $8,747 | $3,315+163.9% | $6,704+30.5% | $3,203+173.1% |