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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 | $96,237 | $60,349+59.5% | $74,184+29.7% | $62,881+53.0% |
| Participation rate | 40.0% | 72.7%-32.7pp | 76.6%-36.6pp | 69.3%-29.3pp |
| Annual return | -2.06% | 21.38%-23.4pp | 17.74%-19.8pp | 20.14%-22.2pp |
| Employer contribution / active EE | $203 | $1,680-87.9% | $2,370-91.4% | $2,281-91.1% |
| Participant deferral / active EE | $2,118 | $2,856-25.8% | $3,550-40.3% | $3,203-33.9% |
| Admin fee / account holder | $948 | $4,261-77.7% | $5,586-83.0% | $4,296-77.9% |