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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 | $79,047 | $53,777+47.0% | $134,155-41.1% | $79,858-1.0% |
| Participation rate | 57.1% | 58.8%-1.6pp | 72.2%-15.0pp | 69.6%-12.5pp |
| Annual return | 2.22% | 19.01%-16.8pp | 36.34%-34.1pp | 31.72%-29.5pp |
| Employer contribution / active EE | $12 | $1,321-99.1% | $3,705-99.7% | $2,471-99.5% |
| Participant deferral / active EE | $2,549 | $2,420+5.3% | $3,500-27.2% | $3,740-31.9% |
| Admin fee / account holder | $7,891 | $3,984+98.1% | $6,685+18.0% | $5,306+48.7% |