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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 | $65,794 | $78,015-15.7% | $178,505-63.1% | $80,959-18.7% |
| Participation rate | 64.4% | 65.7%-1.3pp | 77.1%-12.7pp | 67.7%-3.3pp |
| Annual return | 7.75% | 18.10%-10.4pp | 27.16%-19.4pp | 35.67%-27.9pp |
| Employer contribution / active EE | $417 | $2,281-81.7% | $3,955-89.5% | $2,757-84.9% |
| Participant deferral / active EE | $5,261 | $4,406+19.4% | $6,280-16.2% | $4,300+22.3% |
| Admin fee / account holder | $16,272 | $7,160+127.2% | $10,428+56.0% | $6,925+135.0% |