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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 | $66,925 | $57,140+17.1% | $85,240-21.5% | $80,959-17.3% |
| Participation rate | 23.9% | 56.4%-32.5pp | 67.5%-43.6pp | 67.7%-43.8pp |
| Annual return | 8.59% | 21.71%-13.1pp | 66.75%-58.2pp | 35.67%-27.1pp |
| Employer contribution / active EE | $47 | $1,802-97.4% | $2,735-98.3% | $2,757-98.3% |
| Participant deferral / active EE | $2,115 | $3,115-32.1% | $4,527-53.3% | $4,300-50.8% |
| Admin fee / account holder | $4,011 | $4,992-19.6% | $6,165-34.9% | $6,925-42.1% |