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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 | $67,664 | $64,010+5.7% | $108,359-37.6% | $64,340+5.2% |
| Participation rate | 34.3% | 49.4%-15.1pp | 70.1%-35.8pp | 55.2%-20.9pp |
| Annual return | 8.77% | 19.74%-11.0pp | 36.89%-28.1pp | 24.14%-15.4pp |
| Employer contribution / active EE | $65 | $1,029-93.7% | $2,399-97.3% | $1,862-96.5% |
| Participant deferral / active EE | $1,668 | $2,395-30.4% | $4,137-59.7% | $2,980-44.0% |
| Admin fee / account holder | $26,215 | $4,885+436.7% | $9,741+169.1% | $3,703+608.0% |