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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 | $54,546 | $81,487-33.1% | $102,412-46.7% | $80,935-32.6% |
| Participation rate | 66.1% | 66.8%-0.7pp | 74.5%-8.4pp | 67.7%-1.6pp |
| Annual return | 9.78% | 25.60%-15.8pp | 24.94%-15.2pp | 35.66%-25.9pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $3,870-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,671 | $3,871-56.8% | $5,060-67.0% | $4,299-61.1% |
| Admin fee / account holder | $759 | $6,717-88.7% | $8,388-90.9% | $6,924-89.0% |