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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 | $138,366-45.8% | $184,185-59.3% | $80,911-7.3% |
| Participation rate | 67.9% | 83.9%-16.0pp | 86.8%-19.0pp | 67.6%+0.2pp |
| Annual return | 3.80% | 20.02%-16.2pp | 28.81%-25.0pp | 35.63%-31.8pp |
| Employer contribution / active EE | $893 | $4,849-81.6% | $6,426-86.1% | $2,756-67.6% |
| Participant deferral / active EE | $3,327 | $7,074-53.0% | $9,132-63.6% | $4,297-22.6% |
| Admin fee / account holder | $3,771 | $10,484-64.0% | $13,909-72.9% | $6,935-45.6% |