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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 | $102,258 | $78,428+30.4% | $95,960+6.6% | $79,852+28.1% |
| Participation rate | 51.7% | 73.5%-21.8pp | 77.1%-25.4pp | 69.6%-17.9pp |
| Annual return | 9.02% | 19.37%-10.4pp | 91.63%-82.6pp | 31.72%-22.7pp |
| Employer contribution / active EE | $236 | $1,945-87.9% | $2,541-90.7% | $2,471-90.5% |
| Participant deferral / active EE | $4,120 | $3,440+19.8% | $4,167-1.1% | $3,740+10.1% |
| Admin fee / account holder | $1,281 | $5,622-77.2% | $6,797-81.2% | $5,306-75.9% |