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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 | $80,312 | $104,098-22.8% | $140,514-42.8% | $94,015-14.6% |
| Participation rate | 55.9% | 73.7%-17.8pp | 77.8%-21.9pp | 70.8%-14.9pp |
| Annual return | 8.52% | 15.14%-6.6pp | 14.36%-5.8pp | 17.84%-9.3pp |
| Employer contribution / active EE | $407 | $2,388-83.0% | $3,378-87.9% | $2,790-85.4% |
| Participant deferral / active EE | $2,635 | $4,033-34.7% | $4,919-46.4% | $4,249-38.0% |
| Admin fee / account holder | $21,464 | $10,439+105.6% | $13,697+56.7% | $8,951+139.8% |