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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 | $79,296 | $78,015+1.6% | $178,505-55.6% | $80,959-2.1% |
| Participation rate | 45.7% | 65.7%-20.0pp | 77.1%-31.5pp | 67.7%-22.0pp |
| Annual return | 8.54% | 18.10%-9.6pp | 27.16%-18.6pp | 35.67%-27.1pp |
| Employer contribution / active EE | $410 | $2,281-82.0% | $3,955-89.6% | $2,757-85.1% |
| Participant deferral / active EE | $3,397 | $4,406-22.9% | $6,280-45.9% | $4,300-21.0% |
| Admin fee / account holder | $341 | $7,160-95.2% | $10,428-96.7% | $6,925-95.1% |