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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 | $113,544 | $80,992+40.2% | $96,534+17.6% | $75,173+51.0% |
| Participation rate | 59.4% | 71.8%-12.4pp | 76.0%-16.6pp | 67.2%-7.8pp |
| Annual return | 7.31% | 27.05%-19.7pp | 25.88%-18.6pp | 160.72%-153.4pp |
| Employer contribution / active EE | $519 | $2,283-77.2% | $2,965-82.5% | $2,671-80.6% |
| Participant deferral / active EE | $3,727 | $3,929-5.1% | $4,851-23.2% | $4,126-9.7% |
| Admin fee / account holder | $16,739 | $6,717+149.2% | $8,253+102.8% | $5,651+196.2% |