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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 | $101,956 | $125,797-19.0% | $170,028-40.0% | $75,181+35.6% |
| Participation rate | 38.7% | 83.6%-44.9pp | 87.0%-48.3pp | 67.2%-28.5pp |
| Annual return | 8.67% | 27.20%-18.5pp | 53.39%-44.7pp | 160.69%-152.0pp |
| Employer contribution / active EE | $383 | $4,616-91.7% | $6,788-94.4% | $2,671-85.6% |
| Participant deferral / active EE | $3,834 | $6,838-43.9% | $10,409-63.2% | $4,126-7.1% |
| Admin fee / account holder | $3,917 | $8,177-52.1% | $12,820-69.4% | $5,650-30.7% |