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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 | $84,393 | $110,337-23.5% | $102,383-17.6% | $145,877-42.1% |
| Participation rate | 45.5% | 77.9%-32.5pp | 74.5%-29.1pp | 80.3%-34.8pp |
| Annual return | 7.29% | 24.83%-17.5pp | 24.94%-17.6pp | 551.28%-544.0pp |
| Employer contribution / active EE | $425 | $4,216-89.9% | $3,870-89.0% | $4,663-90.9% |
| Participant deferral / active EE | $3,414 | $5,621-39.3% | $5,060-32.5% | $6,691-49.0% |
| Admin fee / account holder | $1,603 | $9,750-83.6% | $8,391-80.9% | $13,402-88.0% |