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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 | $96,131 | $117,895-18.5% | $102,460-6.2% | $145,897-34.1% |
| Participation rate | 25.0% | 78.6%-53.6pp | 76.5%-51.5pp | 80.3%-55.3pp |
| Annual return | 8.23% | 31.92%-23.7pp | 29.47%-21.2pp | 552.29%-544.1pp |
| Employer contribution / active EE | $754 | $3,619-79.2% | $3,025-75.1% | $4,663-83.8% |
| Participant deferral / active EE | $1,884 | $5,736-67.2% | $5,056-62.7% | $6,689-71.8% |
| Admin fee / account holder | $1,055 | $13,353-92.1% | $9,460-88.8% | $13,390-92.1% |