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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 | $111,814-39.1% | $103,378-34.1% | $145,978-53.3% |
| Participation rate | 21.1% | 77.9%-56.9pp | 74.5%-53.5pp | 80.3%-59.2pp |
| Annual return | 8.70% | 24.80%-16.1pp | 24.91%-16.2pp | 550.52%-541.8pp |
| Employer contribution / active EE | $589 | $4,215-86.0% | $3,870-84.8% | $4,662-87.4% |
| Participant deferral / active EE | $2,983 | $5,618-46.9% | $5,058-41.0% | $6,690-55.4% |
| Admin fee / account holder | $1,516 | $9,764-84.5% | $8,401-82.0% | $13,400-88.7% |