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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 | $79,958 | $81,487-1.9% | $102,412-21.9% | $80,935-1.2% |
| Participation rate | 46.9% | 66.8%-20.0pp | 74.5%-27.6pp | 67.7%-20.8pp |
| Annual return | 8.87% | 25.60%-16.7pp | 24.94%-16.1pp | 35.66%-26.8pp |
| Employer contribution / active EE | $578 | $3,103-81.4% | $3,870-85.1% | $2,757-79.0% |
| Participant deferral / active EE | $3,559 | $3,871-8.1% | $5,060-29.7% | $4,299-17.2% |
| Admin fee / account holder | $13,451 | $6,717+100.2% | $8,388+60.4% | $6,924+94.3% |