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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 | $80,468 | $106,749-24.6% | $145,433-44.7% | $82,448-2.4% |
| Participation rate | 62.0% | 75.6%-13.6pp | 82.1%-20.1pp | 68.1%-6.0pp |
| Annual return | 12.90% | 27.59%-14.7pp | 66.58%-53.7pp | 41.64%-28.7pp |
| Employer contribution / active EE | $377 | $3,444-89.0% | $4,554-91.7% | $2,551-85.2% |
| Participant deferral / active EE | $3,689 | $6,519-43.4% | $7,897-53.3% | $4,139-10.9% |
| Admin fee / account holder | $8,136 | $8,390-3.0% | $13,129-38.0% | $7,234+12.5% |