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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 | $57,073+17.3% | $85,126-21.4% | $80,925-17.3% |
| Participation rate | 23.9% | 56.4%-32.5pp | 67.5%-43.6pp | 67.7%-43.7pp |
| Annual return | 8.59% | 21.69%-13.1pp | 66.63%-58.0pp | 35.65%-27.1pp |
| Employer contribution / active EE | $47 | $1,801-97.4% | $2,731-98.3% | $2,756-98.3% |
| Participant deferral / active EE | $2,115 | $3,113-32.1% | $4,523-53.3% | $4,299-50.8% |
| Admin fee / account holder | $4,011 | $4,988-19.6% | $6,160-34.9% | $6,940-42.2% |