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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 | $108,553 | $48,300+124.7% | $40,145,923-99.7% | $62,881+72.6% |
| Participation rate | 58.9% | 62.0%-3.1pp | 68.4%-9.5pp | 69.3%-10.4pp |
| Annual return | 4.18% | 6.95%-2.8pp | 5.24%-1.1pp | 20.14%-16.0pp |
| Employer contribution / active EE | $0 | $1,333-100.0% | $1,844-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,736 | $2,388+14.6% | $2,591+5.6% | $3,203-14.6% |
| Admin fee / account holder | $4,780 | $2,919+63.8% | $2,903+64.6% | $4,296+11.3% |