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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 | $76,017 | $50,554+50.4% | $67,681+12.3% | $87,485-13.1% |
| Participation rate | 22.0% | 67.7%-45.7pp | 73.7%-51.8pp | 68.9%-47.0pp |
| Annual return | 6.93% | 17.81%-10.9pp | 590.58%-583.7pp | 26.06%-19.1pp |
| Employer contribution / active EE | $159 | $1,988-92.0% | $2,678-94.1% | $2,596-93.9% |
| Participant deferral / active EE | $1,238 | $2,961-58.2% | $3,976-68.9% | $4,274-71.0% |
| Admin fee / account holder | $3,326 | $4,132-19.5% | $6,100-45.5% | $7,775-57.2% |