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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 | $78,891 | $77,920+1.2% | $149,723-47.3% | $75,177+4.9% |
| Participation rate | 46.2% | 65.6%-19.4pp | 78.8%-32.6pp | 67.2%-21.1pp |
| Annual return | 12.52% | 31.72%-19.2pp | 134.50%-122.0pp | 160.75%-148.2pp |
| Employer contribution / active EE | $304 | $3,138-90.3% | $4,821-93.7% | $2,671-88.6% |
| Participant deferral / active EE | $2,426 | $3,411-28.9% | $5,682-57.3% | $4,126-41.2% |
| Admin fee / account holder | $6,770 | $5,951+13.8% | $13,215-48.8% | $5,651+19.8% |