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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 | $90,477 | $71,215+27.0% | $93,696-3.4% | $80,935+11.8% |
| Participation rate | 18.6% | 60.4%-41.8pp | 68.7%-50.1pp | 67.7%-49.1pp |
| Annual return | 8.41% | 11.27%-2.9pp | 133.74%-125.3pp | 35.66%-27.3pp |
| Employer contribution / active EE | $72 | $1,565-95.4% | $2,422-97.0% | $2,757-97.4% |
| Participant deferral / active EE | $1,460 | $4,037-63.8% | $4,417-66.9% | $4,299-66.0% |
| Admin fee / account holder | $2,459 | $6,958-64.7% | $8,287-70.3% | $6,924-64.5% |