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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 | $78,477 | $210,908-62.8% | $153,643-48.9% | $145,884-46.2% |
| Participation rate | 60.0% | 82.1%-22.1pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 6.89% | 13.46%-6.6pp | 15.71%-8.8pp | 551.85%-545.0pp |
| Employer contribution / active EE | $1,125 | $6,055-81.4% | $5,039-77.7% | $4,662-75.9% |
| Participant deferral / active EE | $2,694 | $7,976-66.2% | $6,754-60.1% | $6,690-59.7% |
| Admin fee / account holder | $6,551 | $19,477-66.4% | $12,739-48.6% | $13,392-51.1% |