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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 | $98,228 | $106,749-8.0% | $145,433-32.5% | $82,448+19.1% |
| Participation rate | 61.8% | 75.6%-13.9pp | 82.1%-20.4pp | 68.1%-6.3pp |
| Annual return | 13.47% | 27.59%-14.1pp | 66.58%-53.1pp | 41.64%-28.2pp |
| Employer contribution / active EE | $437 | $3,444-87.3% | $4,554-90.4% | $2,551-82.9% |
| Participant deferral / active EE | $3,430 | $6,519-47.4% | $7,897-56.6% | $4,139-17.1% |
| Admin fee / account holder | $671 | $8,390-92.0% | $13,129-94.9% | $7,234-90.7% |