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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 | $55,116 | $37,446+47.2% | $77,513-28.9% | $79,852-31.0% |
| Participation rate | 52.5% | 41.5%+10.9pp | 54.2%-1.7pp | 69.6%-17.2pp |
| Annual return | 7.86% | 39.76%-31.9pp | 54.81%-46.9pp | 31.72%-23.9pp |
| Employer contribution / active EE | $87 | $637-86.4% | $987-91.2% | $2,471-96.5% |
| Participant deferral / active EE | $1,905 | $1,261+51.1% | $1,861+2.4% | $3,740-49.1% |
| Admin fee / account holder | $1,448 | $2,506-42.2% | $2,859-49.4% | $5,306-72.7% |