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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 | $95,524 | $101,795-6.2% | $165,100-42.1% | $80,959+18.0% |
| Participation rate | 56.9% | 71.8%-15.0pp | 78.6%-21.8pp | 67.7%-10.8pp |
| Annual return | 9.03% | 16.73%-7.7pp | 70.21%-61.2pp | 35.67%-26.6pp |
| Employer contribution / active EE | $484 | $2,954-83.6% | $4,348-88.9% | $2,757-82.4% |
| Participant deferral / active EE | $2,929 | $4,476-34.6% | $6,035-51.5% | $4,300-31.9% |
| Admin fee / account holder | $6,723 | $8,221-18.2% | $12,696-47.0% | $6,925-2.9% |