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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 | $96,185 | $106,267-9.5% | $96,520-0.3% | $139,456-31.0% |
| Participation rate | 7.7% | 77.8%-70.1pp | 74.3%-66.7pp | 80.3%-72.6pp |
| Annual return | 9.35% | 38.45%-29.1pp | 35.72%-26.4pp | 373.45%-364.1pp |
| Employer contribution / active EE | $481 | $4,105-88.3% | $3,739-87.1% | $4,753-89.9% |
| Participant deferral / active EE | $1,599 | $5,454-70.7% | $4,879-67.2% | $6,711-76.2% |
| Admin fee / account holder | $5,866 | $7,882-25.6% | $6,733-12.9% | $11,407-48.6% |