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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 | $99,118 | $83,485+18.7% | $125,180-20.8% | $72,983+35.8% |
| Participation rate | 56.3% | 73.3%-17.1pp | 79.8%-23.5pp | 69.5%-13.2pp |
| Annual return | 15.27% | 25.78%-10.5pp | 43.79%-28.5pp | 81.01%-65.7pp |
| Employer contribution / active EE | $353 | $2,346-84.9% | $3,866-90.9% | $2,440-85.5% |
| Participant deferral / active EE | $1,876 | $3,586-47.7% | $4,937-62.0% | $3,608-48.0% |
| Admin fee / account holder | $1,282 | $5,518-76.8% | $9,703-86.8% | $5,124-75.0% |