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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 | $85,722 | $138,393-38.1% | $184,256-53.5% | $80,959+5.9% |
| Participation rate | 26.9% | 83.9%-57.0pp | 86.8%-59.9pp | 67.7%-40.7pp |
| Annual return | 10.70% | 20.01%-9.3pp | 28.85%-18.1pp | 35.67%-25.0pp |
| Employer contribution / active EE | $894 | $4,847-81.6% | $6,427-86.1% | $2,757-67.6% |
| Participant deferral / active EE | $3,978 | $7,076-43.8% | $9,133-56.4% | $4,300-7.5% |
| Admin fee / account holder | $2,923 | $10,489-72.1% | $13,899-79.0% | $6,925-57.8% |