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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 | $88,978 | $56,894+56.4% | $84,753+5.0% | $62,881+41.5% |
| Participation rate | 30.8% | 68.5%-37.8pp | 76.6%-45.8pp | 69.3%-38.5pp |
| Annual return | 0.77% | 6.30%-5.5pp | 22.78%-22.0pp | 20.14%-19.4pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,784 | $2,709-34.1% | $3,712-51.9% | $3,203-44.3% |
| Admin fee / account holder | $1,125 | $3,581-68.6% | $5,333-78.9% | $4,296-73.8% |