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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 | $137,544 | $86,940+58.2% | $102,434+34.3% | $80,935+69.9% |
| Participation rate | 38.9% | 72.4%-33.5pp | 76.5%-37.6pp | 67.7%-28.8pp |
| Annual return | 8.93% | 18.89%-10.0pp | 29.46%-20.5pp | 35.66%-26.7pp |
| Employer contribution / active EE | $497 | $2,370-79.0% | $3,023-83.5% | $2,757-82.0% |
| Participant deferral / active EE | $3,355 | $4,121-18.6% | $5,055-33.6% | $4,299-22.0% |
| Admin fee / account holder | $4,973 | $8,047-38.2% | $9,462-47.4% | $6,924-28.2% |