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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 | $103,199 | $63,082+63.6% | $81,716+26.3% | $79,852+29.2% |
| Participation rate | 60.4% | 67.5%-7.2pp | 72.0%-11.6pp | 69.6%-9.3pp |
| Annual return | 9.11% | 22.66%-13.5pp | 29.49%-20.4pp | 31.72%-22.6pp |
| Employer contribution / active EE | $332 | $1,795-81.5% | $4,310-92.3% | $2,471-86.6% |
| Participant deferral / active EE | $2,966 | $2,780+6.7% | $7,108-58.3% | $3,740-20.7% |
| Admin fee / account holder | $6,132 | $4,428+38.5% | $5,159+18.8% | $5,306+15.6% |