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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 | $74,954 | $83,485-10.2% | $125,195-40.1% | $72,976+2.7% |
| Participation rate | 58.9% | 73.3%-14.4pp | 79.8%-20.9pp | 69.5%-10.6pp |
| Annual return | 13.67% | 25.77%-12.1pp | 43.79%-30.1pp | 81.02%-67.3pp |
| Employer contribution / active EE | $397 | $2,346-83.1% | $3,866-89.7% | $2,440-83.7% |
| Participant deferral / active EE | $3,714 | $3,586+3.6% | $4,937-24.8% | $3,608+2.9% |
| Admin fee / account holder | $1,982 | $5,518-64.1% | $9,704-79.6% | $5,124-61.3% |