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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 | $71,706 | $65,246+9.9% | $98,716-27.4% | $67,986+5.5% |
| Participation rate | 47.4% | 51.4%-4.1pp | 69.3%-21.9pp | 57.2%-9.8pp |
| Annual return | 12.28% | 20.58%-8.3pp | 31.81%-19.5pp | 31.67%-19.4pp |
| Employer contribution / active EE | $82 | $1,042-92.1% | $2,279-96.4% | $2,019-95.9% |
| Participant deferral / active EE | $1,838 | $2,594-29.2% | $4,048-54.6% | $3,358-45.3% |
| Admin fee / account holder | $1,991 | $4,561-56.4% | $8,703-77.1% | $3,203-37.9% |