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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 | $70,048 | $57,065+22.8% | $75,670-7.4% | $70,131-0.1% |
| Participation rate | 21.3% | 68.1%-46.8pp | 72.3%-51.1pp | 69.5%-48.3pp |
| Annual return | 5.95% | 23.57%-17.6pp | 27.34%-21.4pp | 73.14%-67.2pp |
| Employer contribution / active EE | $162 | $1,817-91.1% | $2,352-93.1% | $2,342-93.1% |
| Participant deferral / active EE | $1,230 | $2,580-52.3% | $3,142-60.9% | $3,332-63.1% |
| Admin fee / account holder | $4,051 | $3,825+5.9% | $5,800-30.1% | $4,645-12.8% |