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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 | $71,702 | $138,366-48.2% | $184,185-61.1% | $80,911-11.4% |
| Participation rate | 48.5% | 83.9%-35.4pp | 86.8%-38.3pp | 67.6%-19.2pp |
| Annual return | 9.40% | 20.02%-10.6pp | 28.81%-19.4pp | 35.63%-26.2pp |
| Employer contribution / active EE | $283 | $4,849-94.2% | $6,426-95.6% | $2,756-89.7% |
| Participant deferral / active EE | $4,934 | $7,074-30.3% | $9,132-46.0% | $4,297+14.8% |
| Admin fee / account holder | $9,547 | $10,484-8.9% | $13,909-31.4% | $6,935+37.7% |