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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 | $87,729 | $116,203-24.5% | $93,621-6.3% | $152,897-42.6% |
| Participation rate | 68.4% | 78.1%-9.6pp | 75.8%-7.4pp | 82.5%-14.0pp |
| Annual return | 2.67% | 35.96%-33.3pp | 32.76%-30.1pp | 345.43%-342.8pp |
| Employer contribution / active EE | $462 | $3,219-85.7% | $2,719-83.0% | $4,764-90.3% |
| Participant deferral / active EE | $3,723 | $4,605-19.1% | $4,070-8.5% | $5,851-36.4% |
| Admin fee / account holder | $845 | $10,751-92.1% | $7,890-89.3% | $11,599-92.7% |