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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 | $60,442+23.1% | $96,754-23.1% | $87,485-14.9% |
| Participation rate | 55.8% | 58.7%-2.9pp | 70.3%-14.5pp | 68.9%-13.1pp |
| Annual return | 10.35% | 21.97%-11.6pp | 82.04%-71.7pp | 26.06%-15.7pp |
| Employer contribution / active EE | $157 | $1,691-90.7% | $2,679-94.1% | $2,596-94.0% |
| Participant deferral / active EE | $2,047 | $3,280-37.6% | $4,758-57.0% | $4,274-52.1% |
| Admin fee / account holder | $3,163 | $5,069-37.6% | $8,905-64.5% | $7,775-59.3% |