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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 | $73,047 | $93,057-21.5% | $153,500-52.4% | $80,925-9.7% |
| Participation rate | 53.8% | 69.0%-15.1pp | 77.1%-23.3pp | 67.7%-13.8pp |
| Annual return | 7.99% | 19.96%-12.0pp | 15.70%-7.7pp | 35.65%-27.7pp |
| Employer contribution / active EE | $524 | $3,507-85.1% | $5,039-89.6% | $2,756-81.0% |
| Participant deferral / active EE | $2,096 | $5,179-59.5% | $6,756-69.0% | $4,299-51.2% |
| Admin fee / account holder | $8,935 | $8,885+0.6% | $12,736-29.8% | $6,940+28.7% |