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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 | $76,492 | $48,364+58.2% | $71,796+6.5% | $62,881+21.6% |
| Participation rate | 18.9% | 60.6%-41.7pp | 69.1%-50.2pp | 69.3%-50.4pp |
| Annual return | 3.03% | 13.16%-10.1pp | 78.04%-75.0pp | 20.14%-17.1pp |
| Employer contribution / active EE | $54 | $1,042-94.8% | $1,924-97.2% | $2,281-97.6% |
| Participant deferral / active EE | $1,908 | $2,091-8.7% | $2,794-31.7% | $3,203-40.4% |
| Admin fee / account holder | $4,267 | $3,771+13.1% | $4,815-11.4% | $4,296-0.7% |