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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 | $78,370 | $79,779-1.8% | $153,741-49.0% | $74,478+5.2% |
| Participation rate | 25.6% | 69.9%-44.4pp | 77.1%-51.5pp | 67.2%-41.6pp |
| Annual return | 10.96% | 15.08%-4.1pp | 15.71%-4.8pp | 1370.56%-1359.6pp |
| Employer contribution / active EE | $849 | $4,026-78.9% | $5,042-83.2% | $2,626-67.7% |
| Participant deferral / active EE | $2,398 | $5,329-55.0% | $6,757-64.5% | $4,350-44.9% |
| Admin fee / account holder | $3,207 | $1,761+82.1% | $12,749-74.8% | $1,946+64.8% |