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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 | $96,757 | $71,230+35.8% | $93,727+3.2% | $80,959+19.5% |
| Participation rate | 35.3% | 60.4%-25.1pp | 68.7%-33.4pp | 67.7%-32.4pp |
| Annual return | 9.14% | 11.26%-2.1pp | 133.83%-124.7pp | 35.67%-26.5pp |
| Employer contribution / active EE | $239 | $1,565-84.7% | $2,421-90.1% | $2,757-91.3% |
| Participant deferral / active EE | $3,257 | $4,037-19.3% | $4,417-26.3% | $4,300-24.3% |
| Admin fee / account holder | $10,485 | $6,961+50.6% | $8,292+26.5% | $6,925+51.4% |