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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 | $84,601 | $71,230+18.8% | $93,727-9.7% | $80,959+4.5% |
| Participation rate | 36.6% | 60.4%-23.8pp | 68.7%-32.1pp | 67.7%-31.0pp |
| Annual return | 9.40% | 11.26%-1.9pp | 133.83%-124.4pp | 35.67%-26.3pp |
| Employer contribution / active EE | $123 | $1,565-92.1% | $2,421-94.9% | $2,757-95.5% |
| Participant deferral / active EE | $2,579 | $4,037-36.1% | $4,417-41.6% | $4,300-40.0% |
| Admin fee / account holder | $20,868 | $6,961+199.8% | $8,292+151.7% | $6,925+201.3% |