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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 | $65,011 | $56,894+14.3% | $84,753-23.3% | $62,881+3.4% |
| Participation rate | 28.1% | 68.5%-40.4pp | 76.6%-48.5pp | 69.3%-41.2pp |
| Annual return | 4.25% | 6.30%-2.1pp | 22.78%-18.5pp | 20.14%-15.9pp |
| Employer contribution / active EE | $224 | $2,400-90.7% | $3,574-93.7% | $2,281-90.2% |
| Participant deferral / active EE | $1,156 | $2,709-57.3% | $3,712-68.9% | $3,203-63.9% |
| Admin fee / account holder | $26,342 | $3,581+635.6% | $5,333+393.9% | $4,296+513.2% |