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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 | $103,948 | $71,230+45.9% | $93,727+10.9% | $80,959+28.4% |
| Participation rate | 50.0% | 60.4%-10.4pp | 68.7%-18.7pp | 67.7%-17.7pp |
| Annual return | 8.96% | 11.26%-2.3pp | 133.83%-124.9pp | 35.67%-26.7pp |
| Employer contribution / active EE | $177 | $1,565-88.7% | $2,421-92.7% | $2,757-93.6% |
| Participant deferral / active EE | $5,679 | $4,037+40.6% | $4,417+28.6% | $4,300+32.1% |
| Admin fee / account holder | $3,075 | $6,961-55.8% | $8,292-62.9% | $6,925-55.6% |