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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 | $138,212 | $67,602+104.5% | $82,312+67.9% | $70,126+97.1% |
| Participation rate | 37.0% | 72.8%-35.7pp | 76.9%-39.9pp | 69.5%-32.5pp |
| Annual return | 9.35% | 21.57%-12.2pp | 25.88%-16.5pp | 73.15%-63.8pp |
| Employer contribution / active EE | $320 | $1,755-81.7% | $2,428-86.8% | $2,343-86.3% |
| Participant deferral / active EE | $2,148 | $2,987-28.1% | $3,706-42.0% | $3,332-35.5% |
| Admin fee / account holder | $15,860 | $4,512+251.5% | $5,608+182.8% | $4,645+241.4% |