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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 | $78,502 | $93,345-15.9% | $119,126-34.1% | $87,485-10.3% |
| Participation rate | 59.5% | 68.7%-9.3pp | 75.8%-16.3pp | 68.9%-9.5pp |
| Annual return | 7.98% | 19.08%-11.1pp | 282.11%-274.1pp | 26.06%-18.1pp |
| Employer contribution / active EE | $683 | $3,172-78.5% | $4,034-83.1% | $2,596-73.7% |
| Participant deferral / active EE | $3,400 | $4,099-17.1% | $5,318-36.1% | $4,274-20.5% |
| Admin fee / account holder | $9,909 | $8,039+23.3% | $10,693-7.3% | $7,775+27.5% |