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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 | $68,210 | $86,940-21.5% | $102,434-33.4% | $80,935-15.7% |
| Participation rate | 40.0% | 72.4%-32.4pp | 76.5%-36.5pp | 67.7%-27.7pp |
| Annual return | 9.74% | 18.89%-9.2pp | 29.46%-19.7pp | 35.66%-25.9pp |
| Employer contribution / active EE | $205 | $2,370-91.4% | $3,023-93.2% | $2,757-92.6% |
| Participant deferral / active EE | $2,814 | $4,121-31.7% | $5,055-44.3% | $4,299-34.6% |
| Admin fee / account holder | $3,718 | $8,047-53.8% | $9,462-60.7% | $6,924-46.3% |