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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 | $72,530 | $72,273+0.4% | $101,275-28.4% | $79,856-9.2% |
| Participation rate | 52.9% | 68.5%-15.5pp | 75.8%-22.9pp | 69.6%-16.7pp |
| Annual return | 7.00% | 22.30%-15.3pp | 46.48%-39.5pp | 31.71%-24.7pp |
| Employer contribution / active EE | $381 | $2,691-85.8% | $3,660-89.6% | $2,471-84.6% |
| Participant deferral / active EE | $1,524 | $3,282-53.6% | $4,371-65.1% | $3,741-59.3% |
| Admin fee / account holder | $1,152 | $4,401-73.8% | $5,948-80.6% | $5,306-78.3% |