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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 | $66,560 | $78,707-15.4% | $117,861-43.5% | $70,126-5.1% |
| Participation rate | 37.7% | 73.2%-35.5pp | 79.7%-42.0pp | 69.5%-31.9pp |
| Annual return | 10.80% | 23.30%-12.5pp | 335.11%-324.3pp | 73.15%-62.3pp |
| Employer contribution / active EE | $370 | $2,223-83.4% | $3,786-90.2% | $2,343-84.2% |
| Participant deferral / active EE | $2,206 | $3,297-33.1% | $4,482-50.8% | $3,332-33.8% |
| Admin fee / account holder | $1,459 | $5,066-71.2% | $8,021-81.8% | $4,645-68.6% |