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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 | $65,569 | $56,544+16.0% | $75,501-13.2% | $70,126-6.5% |
| Participation rate | 44.2% | 68.1%-23.9pp | 72.4%-28.1pp | 69.5%-25.3pp |
| Annual return | 10.70% | 23.59%-12.9pp | 27.35%-16.7pp | 73.15%-62.5pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,352-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,123 | $2,580+21.1% | $3,142-0.6% | $3,332-6.3% |
| Admin fee / account holder | $884 | $3,827-76.9% | $5,801-84.8% | $4,645-81.0% |