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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 | $77,072 | $94,031-18.0% | $115,768-33.4% | $82,448-6.5% |
| Participation rate | 52.6% | 70.4%-17.8pp | 74.4%-21.8pp | 68.1%-15.4pp |
| Annual return | 9.33% | 20.61%-11.3pp | 100.46%-91.1pp | 41.64%-32.3pp |
| Employer contribution / active EE | $424 | $2,323-81.8% | $2,940-85.6% | $2,551-83.4% |
| Participant deferral / active EE | $2,023 | $3,972-49.1% | $4,917-58.9% | $4,139-51.1% |
| Admin fee / account holder | $2,271 | $10,249-77.8% | $12,439-81.7% | $7,234-68.6% |