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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 | $92,794 | $58,627+58.3% | $76,735+20.9% | $82,448+12.5% |
| Participation rate | 40.6% | 63.2%-22.6pp | 69.5%-28.9pp | 68.1%-27.4pp |
| Annual return | 11.60% | 39.10%-27.5pp | 29.77%-18.2pp | 41.64%-30.0pp |
| Employer contribution / active EE | $203 | $1,729-88.3% | $2,454-91.7% | $2,551-92.1% |
| Participant deferral / active EE | $1,256 | $3,134-59.9% | $4,088-69.3% | $4,139-69.7% |
| Admin fee / account holder | $4,271 | $5,323-19.8% | $7,189-40.6% | $7,234-41.0% |