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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 | $80,654 | $75,541+6.8% | $152,093-47.0% | $82,637-2.4% |
| Participation rate | 23.5% | 66.5%-43.0pp | 77.8%-54.2pp | 68.1%-44.5pp |
| Annual return | 11.35% | 32.56%-21.2pp | 66.36%-55.0pp | 53.51%-42.2pp |
| Employer contribution / active EE | $159 | $2,622-93.9% | $4,175-96.2% | $2,552-93.8% |
| Participant deferral / active EE | $1,174 | $3,206-63.4% | $5,451-78.5% | $4,126-71.5% |
| Admin fee / account holder | $3,642 | $6,405-43.1% | $14,497-74.9% | $7,339-50.4% |