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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 | $60,646 | $45,050+34.6% | $63,018-3.8% | $70,126-13.5% |
| Participation rate | 57.6% | 69.5%-11.9pp | 74.8%-17.2pp | 69.5%-12.0pp |
| Annual return | 9.56% | 18.76%-9.2pp | 87.62%-78.1pp | 73.15%-63.6pp |
| Employer contribution / active EE | $0 | $2,052-100.0% | $2,761-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,248 | $2,466+72.3% | $3,330+27.6% | $3,332+27.5% |
| Admin fee / account holder | $660 | $2,834-76.7% | $3,601-81.7% | $4,645-85.8% |