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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 | $86,661 | $153,769-43.6% | $133,975-35.3% | $273,972-68.4% |
| Participation rate | 64.7% | 88.4%-23.7pp | 87.1%-22.4pp | 83.0%-18.3pp |
| Annual return | 1.14% | 36.51%-35.4pp | 29.29%-28.2pp | 41.46%-40.3pp |
| Employer contribution / active EE | $618 | $6,029-89.8% | $5,211-88.1% | $4,869-87.3% |
| Participant deferral / active EE | $6,686 | $6,958-3.9% | $6,282+6.4% | $5,287+26.4% |
| Admin fee / account holder | $5,593 | $11,765-52.5% | $9,324-40.0% | $10,133-44.8% |