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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 | $76,318 | $88,707-14.0% | $74,184+2.9% | $273,972-72.1% |
| Participation rate | 68.2% | 79.4%-11.3pp | 76.6%-8.4pp | 83.0%-14.8pp |
| Annual return | 0.94% | 11.94%-11.0pp | 17.74%-16.8pp | 41.46%-40.5pp |
| Employer contribution / active EE | $363 | $3,159-88.5% | $2,370-84.7% | $4,869-92.5% |
| Participant deferral / active EE | $1,724 | $4,212-59.1% | $3,550-51.4% | $5,287-67.4% |
| Admin fee / account holder | $2,274 | $8,717-73.9% | $5,586-59.3% | $10,133-77.6% |