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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 | $68,310 | $95,404-28.4% | $113,397-39.8% | $82,637-17.3% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 9.54% | 19.08%-9.5pp | 23.20%-13.7pp | 53.51%-44.0pp |
| Employer contribution / active EE | $454 | $2,307-80.3% | $2,977-84.8% | $2,552-82.2% |
| Participant deferral / active EE | $2,146 | $4,220-49.2% | $5,076-57.7% | $4,126-48.0% |
| Admin fee / account holder | $4,162 | $9,168-54.6% | $11,957-65.2% | $7,339-43.3% |