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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 | $106,524+14.1% | $152,301-20.2% | $87,485+38.9% |
| Participation rate | 57.9% | 75.8%-17.9pp | 82.4%-24.6pp | 68.9%-11.0pp |
| Annual return | 12.84% | 26.89%-14.1pp | 80.50%-67.7pp | 26.06%-13.2pp |
| Employer contribution / active EE | $507 | $3,371-84.9% | $4,624-89.0% | $2,596-80.5% |
| Participant deferral / active EE | $5,333 | $6,525-18.3% | $8,004-33.4% | $4,274+24.8% |
| Admin fee / account holder | $2,085 | $8,287-74.8% | $14,398-85.5% | $7,775-73.2% |