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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 | $84,305 | $110,212-23.5% | $96,534-12.7% | $139,466-39.6% |
| Participation rate | 52.4% | 78.1%-25.7pp | 76.0%-23.6pp | 80.3%-28.0pp |
| Annual return | 5.38% | 26.42%-21.0pp | 25.88%-20.5pp | 373.66%-368.3pp |
| Employer contribution / active EE | $194 | $3,620-94.6% | $2,965-93.5% | $4,754-95.9% |
| Participant deferral / active EE | $3,882 | $5,547-30.0% | $4,851-20.0% | $6,712-42.2% |
| Admin fee / account holder | $6,273 | $11,599-45.9% | $8,253-24.0% | $11,409-45.0% |