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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 | $80,146 | $81,358-1.5% | $155,556-48.5% | $80,959-1.0% |
| Participation rate | 38.6% | 66.3%-27.6pp | 78.2%-39.6pp | 67.7%-29.0pp |
| Annual return | 9.53% | 33.39%-23.9pp | 64.84%-55.3pp | 35.67%-26.1pp |
| Employer contribution / active EE | $370 | $3,106-88.1% | $4,675-92.1% | $2,757-86.6% |
| Participant deferral / active EE | $2,633 | $3,455-23.8% | $5,631-53.2% | $4,300-38.8% |
| Admin fee / account holder | $481 | $7,994-94.0% | $15,885-97.0% | $6,925-93.1% |