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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 | $79,311 | $83,898-5.5% | $133,346-40.5% | $94,015-15.6% |
| Participation rate | 57.7% | 63.4%-5.7pp | 72.8%-15.2pp | 70.8%-13.1pp |
| Annual return | 5.94% | 16.00%-10.1pp | 36.85%-30.9pp | 17.84%-11.9pp |
| Employer contribution / active EE | $228 | $1,821-87.5% | $2,853-92.0% | $2,790-91.8% |
| Participant deferral / active EE | $4,357 | $3,245+34.3% | $4,332+0.6% | $4,249+2.5% |
| Admin fee / account holder | $7,253 | $7,809-7.1% | $14,264-49.2% | $8,951-19.0% |