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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 | $90,465 | $79,955+13.1% | $98,450-8.1% | $75,181+20.3% |
| Participation rate | 64.0% | 70.4%-6.4pp | 75.2%-11.2pp | 67.2%-3.2pp |
| Annual return | 8.78% | 19.75%-11.0pp | 21.16%-12.4pp | 160.69%-151.9pp |
| Employer contribution / active EE | $117 | $2,264-94.8% | $3,049-96.1% | $2,671-95.6% |
| Participant deferral / active EE | $5,597 | $3,752+49.2% | $4,739+18.1% | $4,126+35.7% |
| Admin fee / account holder | $1,132 | $6,841-83.4% | $8,961-87.4% | $5,650-80.0% |