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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 | $23,158 | $64,348-64.0% | $90,162-74.3% | $70,131-67.0% |
| Participation rate | 69.7% | 70.4%-0.7pp | 76.9%-7.2pp | 69.5%+0.2pp |
| Annual return | 14.05% | 28.13%-14.1pp | 34.88%-20.8pp | 73.14%-59.1pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $5,687 | $4,389+29.6% | $5,287+7.6% | $3,332+70.7% |
| Admin fee / account holder | $11,489 | $3,944+191.3% | $5,943+93.3% | $4,645+147.3% |