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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 | $79,268 | $81,487-2.7% | $102,412-22.6% | $80,935-2.1% |
| Participation rate | 36.0% | 66.8%-30.8pp | 74.5%-38.5pp | 67.7%-31.7pp |
| Annual return | 9.81% | 25.60%-15.8pp | 24.94%-15.1pp | 35.66%-25.9pp |
| Employer contribution / active EE | $634 | $3,103-79.6% | $3,870-83.6% | $2,757-77.0% |
| Participant deferral / active EE | $2,566 | $3,871-33.7% | $5,060-49.3% | $4,299-40.3% |
| Admin fee / account holder | $472 | $6,717-93.0% | $8,388-94.4% | $6,924-93.2% |