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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 | $72,940 | $101,795-28.3% | $165,100-55.8% | $80,959-9.9% |
| Participation rate | 56.0% | 71.8%-15.8pp | 78.6%-22.6pp | 67.7%-11.7pp |
| Annual return | 9.15% | 16.73%-7.6pp | 70.21%-61.1pp | 35.67%-26.5pp |
| Employer contribution / active EE | $371 | $2,954-87.5% | $4,348-91.5% | $2,757-86.6% |
| Participant deferral / active EE | $3,135 | $4,476-30.0% | $6,035-48.1% | $4,300-27.1% |
| Admin fee / account holder | $10,084 | $8,221+22.7% | $12,696-20.6% | $6,925+45.6% |