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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 | $79,955 | $146,267-45.3% | $197,124-59.4% | $82,448-3.0% |
| Participation rate | 56.0% | 84.0%-28.0pp | 86.7%-30.7pp | 68.1%-12.1pp |
| Annual return | 10.85% | 29.61%-18.8pp | 44.34%-33.5pp | 41.64%-30.8pp |
| Employer contribution / active EE | $1,220 | $4,723-74.2% | $6,227-80.4% | $2,551-52.2% |
| Participant deferral / active EE | $5,292 | $7,035-24.8% | $9,135-42.1% | $4,139+27.8% |
| Admin fee / account holder | $6,632 | $14,422-54.0% | $16,298-59.3% | $7,234-8.3% |