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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 | $79,771 | $72,269+10.4% | $101,271-21.2% | $79,852-0.1% |
| Participation rate | 69.0% | 68.5%+0.5pp | 75.8%-6.8pp | 69.6%-0.7pp |
| Annual return | 10.48% | 22.29%-11.8pp | 46.48%-36.0pp | 31.72%-21.2pp |
| Employer contribution / active EE | $370 | $2,692-86.3% | $3,660-89.9% | $2,471-85.0% |
| Participant deferral / active EE | $2,408 | $3,282-26.6% | $4,371-44.9% | $3,740-35.6% |
| Admin fee / account holder | $2,623 | $4,401-40.4% | $5,948-55.9% | $5,306-50.6% |