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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 | $87,858 | $76,551+14.8% | $123,894-29.1% | $62,881+39.7% |
| Participation rate | 61.4% | 73.0%-11.6pp | 81.4%-20.0pp | 69.3%-7.9pp |
| Annual return | 4.64% | 18.68%-14.0pp | 47.52%-42.9pp | 20.14%-15.5pp |
| Employer contribution / active EE | $394 | $2,882-86.3% | $4,617-91.5% | $2,281-82.7% |
| Participant deferral / active EE | $4,009 | $4,840-17.2% | $5,984-33.0% | $3,203+25.2% |
| Admin fee / account holder | $633 | $4,826-86.9% | $8,357-92.4% | $4,296-85.3% |