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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 | $64,020 | $80,781-20.7% | $102,437-37.5% | $74,478-14.0% |
| Participation rate | 29.2% | 65.7%-36.5pp | 74.5%-45.3pp | 67.2%-38.0pp |
| Annual return | 4.45% | 27.58%-23.1pp | 24.95%-20.5pp | 1370.56%-1366.1pp |
| Employer contribution / active EE | $465 | $3,160-85.3% | $3,871-88.0% | $2,626-82.3% |
| Participant deferral / active EE | $1,680 | $3,862-56.5% | $5,060-66.8% | $4,350-61.4% |
| Admin fee / account holder | $3,439 | $2,372+45.0% | $8,388-59.0% | $1,946+76.7% |