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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 | $61,430 | $63,114-2.7% | $92,909-33.9% | $65,185-5.8% |
| Participation rate | 54.9% | 68.8%-13.9pp | 76.0%-21.1pp | 70.2%-15.3pp |
| Annual return | 15.47% | 28.75%-13.3pp | 109.44%-94.0pp | 29.38%-13.9pp |
| Employer contribution / active EE | $392 | $2,571-84.8% | $3,653-89.3% | $2,177-82.0% |
| Participant deferral / active EE | $3,332 | $3,108+7.2% | $4,238-21.4% | $3,514-5.2% |
| Admin fee / account holder | $11,964 | $624+1818.5% | $5,795+106.4% | $847+1312.2% |