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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 | $121,648 | $87,132+39.6% | $105,624+15.2% | $80,959+50.3% |
| Participation rate | 47.1% | 70.4%-23.4pp | 75.3%-28.2pp | 67.7%-20.6pp |
| Annual return | 9.53% | 17.03%-7.5pp | 116.20%-106.7pp | 35.67%-26.1pp |
| Employer contribution / active EE | $393 | $2,397-83.6% | $3,168-87.6% | $2,757-85.8% |
| Participant deferral / active EE | $3,471 | $3,985-12.9% | $5,013-30.8% | $4,300-19.3% |
| Admin fee / account holder | $6,177 | $8,449-26.9% | $10,961-43.7% | $6,925-10.8% |