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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 | $77,335 | $81,504-5.1% | $102,437-24.5% | $80,959-4.5% |
| Participation rate | 55.6% | 66.9%-11.3pp | 74.5%-19.0pp | 67.7%-12.1pp |
| Annual return | 9.46% | 25.60%-16.1pp | 24.95%-15.5pp | 35.67%-26.2pp |
| Employer contribution / active EE | $605 | $3,104-80.5% | $3,871-84.4% | $2,757-78.1% |
| Participant deferral / active EE | $3,882 | $3,871+0.3% | $5,060-23.3% | $4,300-9.7% |
| Admin fee / account holder | $427 | $6,719-93.6% | $8,388-94.9% | $6,925-93.8% |