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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 | $73,905 | $48,364+52.8% | $71,796+2.9% | $62,881+17.5% |
| Participation rate | 34.7% | 60.6%-25.9pp | 69.1%-34.4pp | 69.3%-34.6pp |
| Annual return | 4.65% | 13.16%-8.5pp | 78.04%-73.4pp | 20.14%-15.5pp |
| Employer contribution / active EE | $154 | $1,042-85.2% | $1,924-92.0% | $2,281-93.2% |
| Participant deferral / active EE | $1,998 | $2,091-4.5% | $2,794-28.5% | $3,203-37.6% |
| Admin fee / account holder | $8,313 | $3,771+120.4% | $4,815+72.6% | $4,296+93.5% |