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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 | $74,972 | $138,393-45.8% | $184,256-59.3% | $80,959-7.4% |
| Participation rate | 67.9% | 83.9%-16.0pp | 86.8%-19.0pp | 67.7%+0.2pp |
| Annual return | 3.80% | 20.01%-16.2pp | 28.85%-25.0pp | 35.67%-31.9pp |
| Employer contribution / active EE | $893 | $4,847-81.6% | $6,427-86.1% | $2,757-67.6% |
| Participant deferral / active EE | $3,327 | $7,076-53.0% | $9,133-63.6% | $4,300-22.6% |
| Admin fee / account holder | $3,771 | $10,489-64.1% | $13,899-72.9% | $6,925-45.6% |