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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 | $67,085 | $63,861+5.0% | $104,639-35.9% | $79,856-16.0% |
| Participation rate | 36.0% | 64.9%-28.9pp | 74.1%-38.1pp | 69.6%-33.6pp |
| Annual return | 7.44% | 21.30%-13.9pp | 340.67%-333.2pp | 31.71%-24.3pp |
| Employer contribution / active EE | $0 | $1,588-100.0% | $2,682-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,016 | $2,693-25.1% | $3,738-46.1% | $3,741-46.1% |
| Admin fee / account holder | $492 | $4,185-88.3% | $6,465-92.4% | $5,306-90.7% |