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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 | $79,390 | $86,940-8.7% | $102,434-22.5% | $80,935-1.9% |
| Participation rate | 50.8% | 72.4%-21.6pp | 76.5%-25.7pp | 67.7%-16.9pp |
| Annual return | 9.16% | 18.89%-9.7pp | 29.46%-20.3pp | 35.66%-26.5pp |
| Employer contribution / active EE | $206 | $2,370-91.3% | $3,023-93.2% | $2,757-92.5% |
| Participant deferral / active EE | $2,855 | $4,121-30.7% | $5,055-43.5% | $4,299-33.6% |
| Admin fee / account holder | $1,864 | $8,047-76.8% | $9,462-80.3% | $6,924-73.1% |