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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 | $68,132 | $110,410-38.3% | $102,437-33.5% | $145,897-53.3% |
| Participation rate | 21.1% | 77.9%-56.9pp | 74.5%-53.5pp | 80.3%-59.3pp |
| Annual return | 8.70% | 24.85%-16.1pp | 24.95%-16.2pp | 552.29%-543.6pp |
| Employer contribution / active EE | $589 | $4,217-86.0% | $3,871-84.8% | $4,663-87.4% |
| Participant deferral / active EE | $2,983 | $5,622-46.9% | $5,060-41.0% | $6,689-55.4% |
| Admin fee / account holder | $1,516 | $9,745-84.4% | $8,388-81.9% | $13,390-88.7% |