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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 | $77,227 | $77,901-0.9% | $149,717-48.4% | $75,181+2.7% |
| Participation rate | 32.1% | 65.6%-33.4pp | 78.8%-46.6pp | 67.2%-35.1pp |
| Annual return | 12.73% | 31.73%-19.0pp | 134.41%-121.7pp | 160.69%-148.0pp |
| Employer contribution / active EE | $317 | $3,137-89.9% | $4,820-93.4% | $2,671-88.1% |
| Participant deferral / active EE | $1,918 | $3,411-43.8% | $5,682-66.2% | $4,126-53.5% |
| Admin fee / account holder | $310 | $5,949-94.8% | $13,213-97.7% | $5,650-94.5% |