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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 | $91,184 | $101,798-10.4% | $165,071-44.8% | $80,935+12.7% |
| Participation rate | 45.0% | 71.8%-26.8pp | 78.6%-33.6pp | 67.7%-22.7pp |
| Annual return | 8.71% | 16.73%-8.0pp | 70.17%-61.5pp | 35.66%-27.0pp |
| Employer contribution / active EE | $512 | $2,954-82.7% | $4,347-88.2% | $2,757-81.4% |
| Participant deferral / active EE | $2,201 | $4,476-50.8% | $6,035-63.5% | $4,299-48.8% |
| Admin fee / account holder | $5,700 | $8,221-30.7% | $12,695-55.1% | $6,924-17.7% |