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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 | $64,575 | $48,337+33.6% | $67,560-4.4% | $80,959-20.2% |
| Participation rate | 20.8% | 66.4%-45.6pp | 72.9%-52.1pp | 67.7%-46.8pp |
| Annual return | 7.70% | 18.26%-10.6pp | 3533.50%-3525.8pp | 35.67%-28.0pp |
| Employer contribution / active EE | $276 | $2,023-86.3% | $2,737-89.9% | $2,757-90.0% |
| Participant deferral / active EE | $1,306 | $2,928-55.4% | $4,004-67.4% | $4,300-69.6% |
| Admin fee / account holder | $701 | $3,695-81.0% | $3,994-82.4% | $6,925-89.9% |