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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 | $96,352 | $93,589+3.0% | $135,942-29.1% | $75,181+28.2% |
| Participation rate | 63.9% | 75.2%-11.3pp | 81.9%-18.0pp | 67.2%-3.3pp |
| Annual return | 11.55% | 30.90%-19.3pp | 68.28%-56.7pp | 160.69%-149.1pp |
| Employer contribution / active EE | $478 | $3,537-86.5% | $4,858-90.2% | $2,671-82.1% |
| Participant deferral / active EE | $4,782 | $6,405-25.3% | $7,759-38.4% | $4,126+15.9% |
| Admin fee / account holder | $9,455 | $6,977+35.5% | $10,764-12.2% | $5,650+67.3% |