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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 | $78,124 | $79,557-1.8% | $118,746-34.2% | $70,126+11.4% |
| Participation rate | 52.9% | 71.4%-18.4pp | 78.3%-25.3pp | 69.5%-16.6pp |
| Annual return | 12.09% | 25.64%-13.5pp | 24.54%-12.4pp | 73.15%-61.1pp |
| Employer contribution / active EE | $192 | $2,861-93.3% | $4,193-95.4% | $2,343-91.8% |
| Participant deferral / active EE | $1,921 | $4,089-53.0% | $5,332-64.0% | $3,332-42.3% |
| Admin fee / account holder | $3,833 | $5,374-28.7% | $10,720-64.2% | $4,645-17.5% |