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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 | $65,479 | $81,487-19.6% | $102,412-36.1% | $80,935-19.1% |
| Participation rate | 50.0% | 66.8%-16.8pp | 74.5%-24.5pp | 67.7%-17.7pp |
| Annual return | 5.33% | 25.60%-20.3pp | 24.94%-19.6pp | 35.66%-30.3pp |
| Employer contribution / active EE | $214 | $3,103-93.1% | $3,870-94.5% | $2,757-92.2% |
| Participant deferral / active EE | $2,612 | $3,871-32.5% | $5,060-48.4% | $4,299-39.3% |
| Admin fee / account holder | $16,265 | $6,717+142.1% | $8,388+93.9% | $6,924+134.9% |