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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 | $87,914 | $78,690+11.7% | $161,489-45.6% | $87,485+0.5% |
| Participation rate | 22.4% | 67.5%-45.1pp | 78.7%-56.3pp | 68.9%-46.5pp |
| Annual return | 10.04% | 32.74%-22.7pp | 89.72%-79.7pp | 26.06%-16.0pp |
| Employer contribution / active EE | $132 | $2,588-94.9% | $4,268-96.9% | $2,596-94.9% |
| Participant deferral / active EE | $1,195 | $3,311-63.9% | $5,630-78.8% | $4,274-72.0% |
| Admin fee / account holder | $4,714 | $6,724-29.9% | $16,006-70.5% | $7,775-39.4% |