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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 | $121,550 | $106,749+13.9% | $145,433-16.4% | $82,448+47.4% |
| Participation rate | 57.9% | 75.6%-17.8pp | 82.1%-24.2pp | 68.1%-10.2pp |
| Annual return | 12.84% | 27.59%-14.8pp | 66.58%-53.7pp | 41.64%-28.8pp |
| Employer contribution / active EE | $507 | $3,444-85.3% | $4,554-88.9% | $2,551-80.1% |
| Participant deferral / active EE | $5,333 | $6,519-18.2% | $7,897-32.5% | $4,139+28.8% |
| Admin fee / account holder | $2,085 | $8,390-75.1% | $13,129-84.1% | $7,234-71.2% |