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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 | $70,116 | $77,962-10.1% | $178,540-60.7% | $80,935-13.4% |
| Participation rate | 16.7% | 65.7%-49.0pp | 77.1%-60.4pp | 67.7%-51.0pp |
| Annual return | 8.79% | 18.10%-9.3pp | 27.15%-18.4pp | 35.66%-26.9pp |
| Employer contribution / active EE | $371 | $2,280-83.7% | $3,953-90.6% | $2,757-86.6% |
| Participant deferral / active EE | $2,003 | $4,404-54.5% | $6,281-68.1% | $4,299-53.4% |
| Admin fee / account holder | $2,075 | $7,156-71.0% | $10,424-80.1% | $6,924-70.0% |