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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 | $58,627+129.2% | $76,735+75.1% | $82,448+63.0% |
| Participation rate | 64.9% | 63.2%+1.6pp | 69.5%-4.6pp | 68.1%-3.2pp |
| Annual return | 12.84% | 39.10%-26.3pp | 29.77%-16.9pp | 41.64%-28.8pp |
| Employer contribution / active EE | $285 | $1,729-83.5% | $2,454-88.4% | $2,551-88.8% |
| Participant deferral / active EE | $2,024 | $3,134-35.4% | $4,088-50.5% | $4,139-51.1% |
| Admin fee / account holder | $18,071 | $5,323+239.5% | $7,189+151.4% | $7,234+149.8% |