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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 | $79,700-1.7% | $153,476-48.9% | $74,400+5.3% |
| Participation rate | 25.6% | 69.8%-44.2pp | 77.1%-51.5pp | 67.2%-41.6pp |
| Annual return | 10.96% | 15.07%-4.1pp | 15.66%-4.7pp | 1367.51%-1356.5pp |
| Employer contribution / active EE | $849 | $4,016-78.9% | $5,038-83.2% | $2,624-67.7% |
| Participant deferral / active EE | $2,398 | $5,315-54.9% | $6,759-64.5% | $4,348-44.8% |
| Admin fee / account holder | $3,207 | $1,790+79.2% | $12,729-74.8% | $1,944+65.0% |