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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 | $73,422 | $77,962-5.8% | $178,540-58.9% | $80,935-9.3% |
| Participation rate | 23.5% | 65.7%-42.1pp | 77.1%-53.6pp | 67.7%-44.1pp |
| Annual return | 10.12% | 18.10%-8.0pp | 27.15%-17.0pp | 35.66%-25.5pp |
| Employer contribution / active EE | $414 | $2,280-81.8% | $3,953-89.5% | $2,757-85.0% |
| Participant deferral / active EE | $4,886 | $4,404+11.0% | $6,281-22.2% | $4,299+13.7% |
| Admin fee / account holder | $475 | $7,156-93.4% | $10,424-95.4% | $6,924-93.1% |