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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 | $103,808 | $89,259+16.3% | $107,187-3.2% | $82,637+25.6% |
| Participation rate | 46.4% | 67.9%-21.5pp | 75.0%-28.6pp | 68.1%-21.6pp |
| Annual return | 9.62% | 21.02%-11.4pp | 204.55%-194.9pp | 53.51%-43.9pp |
| Employer contribution / active EE | $631 | $3,080-79.5% | $3,782-83.3% | $2,552-75.3% |
| Participant deferral / active EE | $3,709 | $4,037-8.1% | $5,096-27.2% | $4,126-10.1% |
| Admin fee / account holder | $26,255 | $7,381+255.7% | $9,162+186.6% | $7,339+257.8% |