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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 | $115,062 | $97,550+18.0% | $120,344-4.4% | $87,485+31.5% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.7%-10.0pp | 68.9%-2.3pp |
| Annual return | 8.66% | 18.41%-9.8pp | 20.30%-11.6pp | 26.06%-17.4pp |
| Employer contribution / active EE | $562 | $2,291-75.5% | $3,020-81.4% | $2,596-78.4% |
| Participant deferral / active EE | $4,508 | $4,230+6.6% | $5,135-12.2% | $4,274+5.5% |
| Admin fee / account holder | $36,928 | $9,543+287.0% | $12,742+189.8% | $7,775+375.0% |