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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 | $83,108 | $101,795-18.4% | $165,100-49.7% | $80,959+2.7% |
| Participation rate | 42.9% | 71.8%-29.0pp | 78.6%-35.8pp | 67.7%-24.8pp |
| Annual return | 10.55% | 16.73%-6.2pp | 70.21%-59.7pp | 35.67%-25.1pp |
| Employer contribution / active EE | $539 | $2,954-81.7% | $4,348-87.6% | $2,757-80.4% |
| Participant deferral / active EE | $2,173 | $4,476-51.5% | $6,035-64.0% | $4,300-49.5% |
| Admin fee / account holder | $6,771 | $8,221-17.6% | $12,696-46.7% | $6,925-2.2% |