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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 | $74,711 | $78,707-5.1% | $117,861-36.6% | $70,126+6.5% |
| Participation rate | 55.3% | 73.2%-17.9pp | 79.7%-24.4pp | 69.5%-14.3pp |
| Annual return | 10.93% | 23.30%-12.4pp | 335.11%-324.2pp | 73.15%-62.2pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,592 | $3,297-21.4% | $4,482-42.2% | $3,332-22.2% |
| Admin fee / account holder | $3,369 | $5,066-33.5% | $8,021-58.0% | $4,645-27.5% |