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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 | $100,901 | $69,977+44.2% | $108,582-7.1% | $62,881+60.5% |
| Participation rate | 40.7% | 72.9%-32.2pp | 79.6%-38.8pp | 69.3%-28.6pp |
| Annual return | 2.08% | 10.73%-8.6pp | -51.70%+53.8pp | 20.14%-18.1pp |
| Employer contribution / active EE | $358 | $2,135-83.3% | $3,758-90.5% | $2,281-84.3% |
| Participant deferral / active EE | $3,201 | $3,165+1.2% | $4,311-25.7% | $3,203-0.1% |
| Admin fee / account holder | $4,358 | $5,076-14.2% | $7,645-43.0% | $4,296+1.4% |