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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 | $61,862 | $93,598-33.9% | $135,974-54.5% | $75,173-17.7% |
| Participation rate | 59.5% | 75.2%-15.7pp | 81.9%-22.5pp | 67.2%-7.7pp |
| Annual return | 14.61% | 30.89%-16.3pp | 68.30%-53.7pp | 160.72%-146.1pp |
| Employer contribution / active EE | $735 | $3,538-79.2% | $4,859-84.9% | $2,671-72.5% |
| Participant deferral / active EE | $4,429 | $6,405-30.9% | $7,760-42.9% | $4,126+7.3% |
| Admin fee / account holder | $5,526 | $6,978-20.8% | $10,767-48.7% | $5,651-2.2% |