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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 | $63,762 | $81,476-21.7% | $102,383-37.7% | $80,925-21.2% |
| Participation rate | 26.7% | 66.8%-40.2pp | 74.5%-47.8pp | 67.7%-41.0pp |
| Annual return | 9.18% | 25.59%-16.4pp | 24.94%-15.8pp | 35.65%-26.5pp |
| Employer contribution / active EE | $760 | $3,105-75.5% | $3,870-80.4% | $2,756-72.4% |
| Participant deferral / active EE | $2,784 | $3,871-28.1% | $5,060-45.0% | $4,299-35.2% |
| Admin fee / account holder | $23,217 | $6,717+245.6% | $8,391+176.7% | $6,940+234.5% |