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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 | $106,236 | $199,109-46.6% | $173,730-38.8% | $154,746-31.3% |
| Participation rate | 45.0% | 82.8%-37.8pp | 79.6%-34.6pp | 80.7%-35.7pp |
| Annual return | 7.01% | 20.02%-13.0pp | 19.96%-12.9pp | 172.34%-165.3pp |
| Employer contribution / active EE | $846 | $5,311-84.1% | $4,577-81.5% | $4,379-80.7% |
| Participant deferral / active EE | $2,751 | $7,113-61.3% | $6,326-56.5% | $6,730-59.1% |
| Admin fee / account holder | $1,974 | $20,916-90.6% | $17,523-88.7% | $14,365-86.3% |