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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 | $134,393 | $59,440+126.1% | $78,004+72.3% | $82,637+62.6% |
| Participation rate | 64.9% | 62.8%+2.0pp | 69.4%-4.6pp | 68.1%-3.2pp |
| Annual return | 12.84% | 40.24%-27.4pp | 31.07%-18.2pp | 53.51%-40.7pp |
| Employer contribution / active EE | $285 | $1,750-83.7% | $2,469-88.5% | $2,552-88.8% |
| Participant deferral / active EE | $2,024 | $3,138-35.5% | $4,092-50.5% | $4,126-50.9% |
| Admin fee / account holder | $18,071 | $5,504+228.3% | $7,578+138.5% | $7,339+146.2% |