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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 | $114,705 | $106,864+7.3% | $147,318-22.1% | $82,637+38.8% |
| Participation rate | 47.8% | 75.5%-27.7pp | 82.1%-34.2pp | 68.1%-20.2pp |
| Annual return | 13.52% | 27.49%-14.0pp | 70.43%-56.9pp | 53.51%-40.0pp |
| Employer contribution / active EE | $497 | $3,417-85.5% | $4,593-89.2% | $2,552-80.5% |
| Participant deferral / active EE | $2,791 | $6,496-57.0% | $7,906-64.7% | $4,126-32.4% |
| Admin fee / account holder | $3,631 | $8,415-56.9% | $13,708-73.5% | $7,339-50.5% |