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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 | $88,250 | $56,894+55.1% | $84,753+4.1% | $62,881+40.3% |
| Participation rate | 45.0% | 68.5%-23.5pp | 76.6%-31.6pp | 69.3%-24.3pp |
| Annual return | 3.40% | 6.30%-2.9pp | 22.78%-19.4pp | 20.14%-16.7pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,605 | $2,709+70.0% | $3,712+24.1% | $3,203+43.8% |
| Admin fee / account holder | $15,570 | $3,581+334.8% | $5,333+191.9% | $4,296+262.5% |