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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 | $111,037 | $138,393-19.8% | $184,256-39.7% | $80,959+37.2% |
| Participation rate | 64.8% | 83.9%-19.1pp | 86.8%-22.0pp | 67.7%-2.9pp |
| Annual return | 10.04% | 20.01%-10.0pp | 28.85%-18.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $730 | $4,847-84.9% | $6,427-88.6% | $2,757-73.5% |
| Participant deferral / active EE | $5,952 | $7,076-15.9% | $9,133-34.8% | $4,300+38.4% |
| Admin fee / account holder | $2,398 | $10,489-77.1% | $13,899-82.8% | $6,925-65.4% |