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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 | $69,626 | $64,359+8.2% | $90,161-22.8% | $70,124-0.7% |
| Participation rate | 35.9% | 70.4%-34.5pp | 76.9%-41.0pp | 69.5%-33.6pp |
| Annual return | 11.14% | 28.13%-17.0pp | 34.89%-23.7pp | 73.14%-62.0pp |
| Employer contribution / active EE | $1 | $2,046-99.9% | $3,318-100.0% | $2,342-99.9% |
| Participant deferral / active EE | $1,864 | $4,389-57.5% | $5,287-64.7% | $3,332-44.0% |
| Admin fee / account holder | $992 | $3,945-74.9% | $5,943-83.3% | $4,645-78.6% |