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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 | $68,063 | $58,848+15.7% | $88,179-22.8% | $82,637-17.6% |
| Participation rate | 45.7% | 57.9%-12.2pp | 69.1%-23.5pp | 68.1%-22.4pp |
| Annual return | 12.79% | 22.76%-10.0pp | 64.97%-52.2pp | 53.51%-40.7pp |
| Employer contribution / active EE | $193 | $1,678-88.5% | $2,549-92.4% | $2,552-92.4% |
| Participant deferral / active EE | $2,068 | $3,124-33.8% | $4,614-55.2% | $4,126-49.9% |
| Admin fee / account holder | $3,233 | $4,795-32.6% | $7,673-57.9% | $7,339-55.9% |