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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 | $83,469 | $72,012+15.9% | $185,827-55.1% | $79,858+4.5% |
| Participation rate | 59.6% | 65.8%-6.2pp | 78.0%-18.5pp | 69.6%-10.1pp |
| Annual return | 8.22% | 23.12%-14.9pp | 35.96%-27.7pp | 31.72%-23.5pp |
| Employer contribution / active EE | $183 | $1,965-90.7% | $4,087-95.5% | $2,471-92.6% |
| Participant deferral / active EE | $3,791 | $3,779+0.3% | $5,633-32.7% | $3,740+1.3% |
| Admin fee / account holder | $363 | $4,513-91.9% | $9,502-96.2% | $5,306-93.1% |