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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 | $88,084 | $106,267-17.1% | $96,520-8.7% | $139,456-36.8% |
| Participation rate | 69.6% | 77.8%-8.3pp | 74.3%-4.8pp | 80.3%-10.8pp |
| Annual return | 10.78% | 38.45%-27.7pp | 35.72%-24.9pp | 373.45%-362.7pp |
| Employer contribution / active EE | $727 | $4,105-82.3% | $3,739-80.5% | $4,753-84.7% |
| Participant deferral / active EE | $5,508 | $5,454+1.0% | $4,879+12.9% | $6,711-17.9% |
| Admin fee / account holder | $13,095 | $7,882+66.1% | $6,733+94.5% | $11,407+14.8% |