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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 | $74,482 | $104,251-28.6% | $91,004-18.2% | $147,586-49.5% |
| Participation rate | 58.8% | 78.2%-19.4pp | 75.6%-16.8pp | 82.8%-24.0pp |
| Annual return | 8.58% | 27.06%-18.5pp | 4.60%+4.0pp | 578.59%-570.0pp |
| Employer contribution / active EE | $281 | $3,116-91.0% | $2,456-88.6% | $4,876-94.2% |
| Participant deferral / active EE | $1,613 | $4,195-61.6% | $3,548-54.5% | $5,439-70.3% |
| Admin fee / account holder | $6,979 | $8,948-22.0% | $5,417+28.8% | $10,886-35.9% |