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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 | $111,271 | $58,828+89.1% | $78,002+42.7% | $62,881+77.0% |
| Participation rate | 48.0% | 71.1%-23.1pp | 75.5%-27.5pp | 69.3%-21.3pp |
| Annual return | 2.37% | 17.16%-14.8pp | 425.99%-423.6pp | 20.14%-17.8pp |
| Employer contribution / active EE | $125 | $1,672-92.5% | $2,470-94.9% | $2,281-94.5% |
| Participant deferral / active EE | $3,952 | $2,686+47.1% | $3,497+13.0% | $3,203+23.4% |
| Admin fee / account holder | $4,412 | $4,393+0.4% | $5,481-19.5% | $4,296+2.7% |