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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 | $135,200 | $86,949+55.5% | $102,460+32.0% | $80,959+67.0% |
| Participation rate | 37.5% | 72.4%-34.9pp | 76.5%-39.0pp | 67.7%-30.2pp |
| Annual return | 7.62% | 18.89%-11.3pp | 29.47%-21.9pp | 35.67%-28.1pp |
| Employer contribution / active EE | $296 | $2,370-87.5% | $3,025-90.2% | $2,757-89.3% |
| Participant deferral / active EE | $2,602 | $4,121-36.9% | $5,056-48.5% | $4,300-39.5% |
| Admin fee / account holder | $4,994 | $8,048-37.9% | $9,460-47.2% | $6,925-27.9% |