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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 | $60,120 | $76,834-21.8% | $108,359-44.5% | $87,485-31.3% |
| Participation rate | 46.6% | 61.7%-15.2pp | 70.1%-23.5pp | 68.9%-22.4pp |
| Annual return | 8.03% | 19.09%-11.1pp | 36.89%-28.9pp | 26.06%-18.0pp |
| Employer contribution / active EE | $185 | $1,556-88.1% | $2,399-92.3% | $2,596-92.9% |
| Participant deferral / active EE | $2,527 | $3,100-18.5% | $4,137-38.9% | $4,274-40.9% |
| Admin fee / account holder | $2,585 | $6,537-60.4% | $9,741-73.5% | $7,775-66.7% |