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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 | $84,749 | $78,015+8.6% | $178,505-52.5% | $80,959+4.7% |
| Participation rate | 47.7% | 65.7%-18.0pp | 77.1%-29.4pp | 67.7%-20.0pp |
| Annual return | 10.28% | 18.10%-7.8pp | 27.16%-16.9pp | 35.67%-25.4pp |
| Employer contribution / active EE | $156 | $2,281-93.1% | $3,955-96.0% | $2,757-94.3% |
| Participant deferral / active EE | $1,619 | $4,406-63.3% | $6,280-74.2% | $4,300-62.4% |
| Admin fee / account holder | $7,567 | $7,160+5.7% | $10,428-27.4% | $6,925+9.3% |