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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 | $85,073 | $88,370-3.7% | $112,977-24.7% | $79,852+6.5% |
| Participation rate | 33.3% | 76.8%-43.5pp | 82.6%-49.2pp | 69.6%-36.3pp |
| Annual return | 11.63% | 23.16%-11.5pp | 24.24%-12.6pp | 31.72%-20.1pp |
| Employer contribution / active EE | $735 | $3,398-78.4% | $4,255-82.7% | $2,471-70.2% |
| Participant deferral / active EE | $3,563 | $4,536-21.4% | $5,836-38.9% | $3,740-4.7% |
| Admin fee / account holder | $1,056 | $5,750-81.6% | $6,294-83.2% | $5,306-80.1% |