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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 | $74,410 | $63,949+16.4% | $129,031-42.3% | $94,015-20.9% |
| Participation rate | 55.8% | 63.4%-7.6pp | 73.4%-17.5pp | 70.8%-15.0pp |
| Annual return | 10.35% | 17.56%-7.2pp | 34.67%-24.3pp | 17.84%-7.5pp |
| Employer contribution / active EE | $157 | $1,865-91.6% | $3,226-95.1% | $2,790-94.4% |
| Participant deferral / active EE | $2,047 | $3,686-44.5% | $5,217-60.8% | $4,249-51.8% |
| Admin fee / account holder | $3,163 | $5,523-42.7% | $13,208-76.1% | $8,951-64.7% |