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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 | $112,279 | $61,125+83.7% | $94,057+19.4% | $87,485+28.3% |
| Participation rate | 36.7% | 64.1%-27.3pp | 73.3%-36.6pp | 68.9%-32.2pp |
| Annual return | 12.02% | 35.20%-23.2pp | 480.62%-468.6pp | 26.06%-14.0pp |
| Employer contribution / active EE | $98 | $2,136-95.4% | $2,933-96.6% | $2,596-96.2% |
| Participant deferral / active EE | $1,991 | $3,260-38.9% | $4,709-57.7% | $4,274-53.4% |
| Admin fee / account holder | $4,874 | $5,629-13.4% | $7,244-32.7% | $7,775-37.3% |