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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 | $85,012 | $87,060-2.4% | $105,591-19.5% | $80,911+5.1% |
| Participation rate | 57.3% | 70.4%-13.2pp | 75.3%-18.0pp | 67.6%-10.4pp |
| Annual return | 8.98% | 17.05%-8.1pp | 116.43%-107.4pp | 35.63%-26.6pp |
| Employer contribution / active EE | $438 | $2,396-81.7% | $3,166-86.2% | $2,756-84.1% |
| Participant deferral / active EE | $4,048 | $3,986+1.5% | $5,008-19.2% | $4,297-5.8% |
| Admin fee / account holder | $2,384 | $8,442-71.8% | $11,024-78.4% | $6,935-65.6% |