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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 | $66,525 | $76,551-13.1% | $123,894-46.3% | $62,881+5.8% |
| Participation rate | 63.6% | 73.0%-9.3pp | 81.4%-17.8pp | 69.3%-5.7pp |
| Annual return | 5.46% | 18.68%-13.2pp | 47.52%-42.1pp | 20.14%-14.7pp |
| Employer contribution / active EE | $119 | $2,882-95.9% | $4,617-97.4% | $2,281-94.8% |
| Participant deferral / active EE | $5,905 | $4,840+22.0% | $5,984-1.3% | $3,203+84.3% |
| Admin fee / account holder | $3,269 | $4,826-32.3% | $8,357-60.9% | $4,296-23.9% |