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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 | $65,798 | $65,395+0.6% | $182,540-64.0% | $72,975-9.8% |
| Participation rate | 40.7% | 65.4%-24.7pp | 78.0%-37.2pp | 69.5%-28.7pp |
| Annual return | 11.51% | 27.68%-16.2pp | 148.58%-137.1pp | 81.01%-69.5pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,348 | $3,563-62.2% | $5,525-75.6% | $3,608-62.6% |
| Admin fee / account holder | $1,622 | $4,245-61.8% | $8,593-81.1% | $5,124-68.3% |