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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 | $124,688 | $57,073+118.5% | $85,126+46.5% | $80,925+54.1% |
| Participation rate | 7.3% | 56.4%-49.1pp | 67.5%-60.2pp | 67.7%-60.3pp |
| Annual return | 8.93% | 21.69%-12.8pp | 66.63%-57.7pp | 35.65%-26.7pp |
| Employer contribution / active EE | $85 | $1,801-95.3% | $2,731-96.9% | $2,756-96.9% |
| Participant deferral / active EE | $1,180 | $3,113-62.1% | $4,523-73.9% | $4,299-72.5% |
| Admin fee / account holder | $469 | $4,988-90.6% | $6,160-92.4% | $6,940-93.2% |