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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 | $131,353 | $139,421-5.8% | $239,577-45.2% | $116,462+12.8% |
| Participation rate | 33.7% | 75.0%-41.3pp | 82.1%-48.4pp | 74.7%-41.0pp |
| Annual return | 10.79% | 15.58%-4.8pp | -0.70%+11.5pp | 15.65%-4.9pp |
| Employer contribution / active EE | $1,073 | $4,487-76.1% | $7,232-85.2% | $3,231-66.8% |
| Participant deferral / active EE | $2,878 | $4,296-33.0% | $5,676-49.3% | $3,836-25.0% |
| Admin fee / account holder | $3,433 | $21,515-84.0% | $19,315-82.2% | $12,754-73.1% |