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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 | $90,706 | $72,269+25.5% | $101,271-10.4% | $79,852+13.6% |
| Participation rate | 65.7% | 68.5%-2.7pp | 75.8%-10.1pp | 69.6%-3.9pp |
| Annual return | 8.87% | 22.29%-13.4pp | 46.48%-37.6pp | 31.72%-22.8pp |
| Employer contribution / active EE | $545 | $2,692-79.7% | $3,660-85.1% | $2,471-77.9% |
| Participant deferral / active EE | $2,830 | $3,282-13.8% | $4,371-35.2% | $3,740-24.3% |
| Admin fee / account holder | $22,295 | $4,401+406.6% | $5,948+274.9% | $5,306+320.2% |