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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 | $94,539 | $76,551+23.5% | $123,894-23.7% | $62,881+50.3% |
| Participation rate | 61.1% | 73.0%-11.9pp | 81.4%-20.3pp | 69.3%-8.2pp |
| Annual return | 5.75% | 18.68%-12.9pp | 47.52%-41.8pp | 20.14%-14.4pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $6,080 | $4,840+25.6% | $5,984+1.6% | $3,203+89.8% |
| Admin fee / account holder | $12,740 | $4,826+164.0% | $8,357+52.4% | $4,296+196.6% |