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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 | $64,027 | $95,453-32.9% | $112,040-42.9% | $82,448-22.3% |
| Participation rate | 61.4% | 72.8%-11.4pp | 76.5%-15.1pp | 68.1%-6.7pp |
| Annual return | 11.23% | 23.92%-12.7pp | 24.52%-13.3pp | 41.64%-30.4pp |
| Employer contribution / active EE | $279 | $2,318-88.0% | $2,954-90.6% | $2,551-89.1% |
| Participant deferral / active EE | $2,338 | $4,224-44.6% | $5,098-54.1% | $4,139-43.5% |
| Admin fee / account holder | $8,881 | $9,013-1.5% | $12,098-26.6% | $7,234+22.8% |