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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 | $90,236 | $110,137-18.1% | $161,149-44.0% | $82,637+9.2% |
| Participation rate | 42.2% | 72.4%-30.1pp | 78.8%-36.6pp | 68.1%-25.8pp |
| Annual return | 9.38% | 20.69%-11.3pp | 21.16%-11.8pp | 53.51%-44.1pp |
| Employer contribution / active EE | $290 | $2,856-89.8% | $4,360-93.3% | $2,552-88.6% |
| Participant deferral / active EE | $3,711 | $4,575-18.9% | $6,153-39.7% | $4,126-10.1% |
| Admin fee / account holder | $3,378 | $9,467-64.3% | $15,194-77.8% | $7,339-54.0% |