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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 | $104,098+10.5% | $140,514-18.1% | $94,015+22.4% |
| Participation rate | 66.7% | 73.7%-7.0pp | 77.8%-11.1pp | 70.8%-4.2pp |
| Annual return | 8.66% | 15.14%-6.5pp | 14.36%-5.7pp | 17.84%-9.2pp |
| Employer contribution / active EE | $562 | $2,388-76.5% | $3,378-83.4% | $2,790-79.9% |
| Participant deferral / active EE | $4,508 | $4,033+11.8% | $4,919-8.4% | $4,249+6.1% |
| Admin fee / account holder | $36,928 | $10,439+253.8% | $13,697+169.6% | $8,951+312.5% |