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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 | $74,616 | $101,798-26.7% | $165,071-54.8% | $80,935-7.8% |
| Participation rate | 48.8% | 71.8%-23.0pp | 78.6%-29.8pp | 67.7%-18.8pp |
| Annual return | 7.44% | 16.73%-9.3pp | 70.17%-62.7pp | 35.66%-28.2pp |
| Employer contribution / active EE | $360 | $2,954-87.8% | $4,347-91.7% | $2,757-86.9% |
| Participant deferral / active EE | $3,774 | $4,476-15.7% | $6,035-37.5% | $4,299-12.2% |
| Admin fee / account holder | $3,742 | $8,221-54.5% | $12,695-70.5% | $6,924-46.0% |