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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 | $166,455 | $106,749+55.9% | $145,433+14.5% | $82,448+101.9% |
| Participation rate | 66.7% | 75.6%-9.0pp | 82.1%-15.5pp | 68.1%-1.4pp |
| Annual return | 14.02% | 27.59%-13.6pp | 66.58%-52.6pp | 41.64%-27.6pp |
| Employer contribution / active EE | $402 | $3,444-88.3% | $4,554-91.2% | $2,551-84.2% |
| Participant deferral / active EE | $5,325 | $6,519-18.3% | $7,897-32.6% | $4,139+28.6% |
| Admin fee / account holder | $1,241 | $8,390-85.2% | $13,129-90.5% | $7,234-82.8% |