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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 | $81,458 | $81,504-0.1% | $102,437-20.5% | $80,959+0.6% |
| Participation rate | 55.7% | 66.9%-11.1pp | 74.5%-18.8pp | 67.7%-12.0pp |
| Annual return | 10.07% | 25.60%-15.5pp | 24.95%-14.9pp | 35.67%-25.6pp |
| Employer contribution / active EE | $350 | $3,104-88.7% | $3,871-91.0% | $2,757-87.3% |
| Participant deferral / active EE | $2,471 | $3,871-36.2% | $5,060-51.2% | $4,300-42.5% |
| Admin fee / account holder | $1,736 | $6,719-74.2% | $8,388-79.3% | $6,925-74.9% |