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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 | $79,203 | $91,198-13.2% | $178,503-55.6% | $79,856-0.8% |
| Participation rate | 49.4% | 69.2%-19.8pp | 81.9%-32.6pp | 69.6%-20.3pp |
| Annual return | 4.63% | 24.20%-19.6pp | 151.12%-146.5pp | 31.71%-27.1pp |
| Employer contribution / active EE | $350 | $3,257-89.3% | $5,011-93.0% | $2,471-85.9% |
| Participant deferral / active EE | $2,876 | $3,237-11.1% | $5,202-44.7% | $3,741-23.1% |
| Admin fee / account holder | $2,098 | $6,748-68.9% | $13,987-85.0% | $5,306-60.5% |