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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 | $71,134 | $93,617-24.0% | $135,982-47.7% | $75,177-5.4% |
| Participation rate | 40.0% | 75.2%-35.2pp | 81.9%-41.9pp | 67.2%-27.2pp |
| Annual return | 12.37% | 30.89%-18.5pp | 68.32%-56.0pp | 160.75%-148.4pp |
| Employer contribution / active EE | $451 | $3,538-87.2% | $4,859-90.7% | $2,671-83.1% |
| Participant deferral / active EE | $4,238 | $6,406-33.8% | $7,760-45.4% | $4,126+2.7% |
| Admin fee / account holder | $1,897 | $6,980-72.8% | $10,767-82.4% | $5,651-66.4% |