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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 | $72,749 | $56,287+29.2% | $80,977-10.2% | $62,881+15.7% |
| Participation rate | 38.9% | 68.9%-30.1pp | 75.8%-36.9pp | 69.3%-30.4pp |
| Annual return | 1.80% | 22.13%-20.3pp | 17.11%-15.3pp | 20.14%-18.3pp |
| Employer contribution / active EE | $0 | $1,943-100.0% | $3,715-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,610 | $4,196-37.8% | $5,696-54.2% | $3,203-18.5% |
| Admin fee / account holder | $2,953 | $3,742-21.1% | $5,517-46.5% | $4,296-31.3% |