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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 | $77,853 | $98,766-21.2% | $149,730-48.0% | $79,852-2.5% |
| Participation rate | 52.5% | 75.8%-23.3pp | 82.5%-30.0pp | 69.6%-17.1pp |
| Annual return | 8.02% | 27.43%-19.4pp | 276.70%-268.7pp | 31.72%-23.7pp |
| Employer contribution / active EE | $363 | $3,217-88.7% | $4,645-92.2% | $2,471-85.3% |
| Participant deferral / active EE | $2,800 | $5,681-50.7% | $6,843-59.1% | $3,740-25.2% |
| Admin fee / account holder | $302 | $6,052-95.0% | $9,310-96.8% | $5,306-94.3% |