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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 | $201,943 | $81,487+147.8% | $102,412+97.2% | $80,935+149.5% |
| Participation rate | 23.2% | 66.8%-43.7pp | 74.5%-51.3pp | 67.7%-44.5pp |
| Annual return | 9.18% | 25.60%-16.4pp | 24.94%-15.8pp | 35.66%-26.5pp |
| Employer contribution / active EE | $653 | $3,103-79.0% | $3,870-83.1% | $2,757-76.3% |
| Participant deferral / active EE | $2,228 | $3,871-42.4% | $5,060-56.0% | $4,299-48.2% |
| Admin fee / account holder | $2,594 | $6,717-61.4% | $8,388-69.1% | $6,924-62.5% |