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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 | $93,114 | $176,786-47.3% | $146,643-36.5% | $167,536-44.4% |
| Participation rate | 55.6% | 83.6%-28.1pp | 80.1%-24.5pp | 82.1%-26.6pp |
| Annual return | 8.88% | 24.04%-15.2pp | 22.75%-13.9pp | 478.82%-469.9pp |
| Employer contribution / active EE | $437 | $5,161-91.5% | $4,137-89.4% | $4,839-91.0% |
| Participant deferral / active EE | $2,773 | $6,440-56.9% | $5,506-49.6% | $6,342-56.3% |
| Admin fee / account holder | $4,595 | $13,262-65.3% | $10,280-55.3% | $12,315-62.7% |