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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 | $95,453+20.5% | $112,040+2.7% | $82,448+39.6% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 8.66% | 23.92%-15.3pp | 24.52%-15.9pp | 41.64%-33.0pp |
| Employer contribution / active EE | $562 | $2,318-75.8% | $2,954-81.0% | $2,551-78.0% |
| Participant deferral / active EE | $4,508 | $4,224+6.7% | $5,098-11.6% | $4,139+8.9% |
| Admin fee / account holder | $36,928 | $9,013+309.7% | $12,098+205.2% | $7,234+410.4% |