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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 | $116,725 | $81,358+43.5% | $155,556-25.0% | $80,959+44.2% |
| Participation rate | 11.1% | 66.3%-55.2pp | 78.2%-67.1pp | 67.7%-56.6pp |
| Annual return | 9.23% | 33.39%-24.2pp | 64.84%-55.6pp | 35.67%-26.4pp |
| Employer contribution / active EE | $337 | $3,106-89.2% | $4,675-92.8% | $2,757-87.8% |
| Participant deferral / active EE | $1,093 | $3,455-68.4% | $5,631-80.6% | $4,300-74.6% |
| Admin fee / account holder | $412 | $7,994-94.8% | $15,885-97.4% | $6,925-94.1% |