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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 | $188,664 | $101,798+85.3% | $165,071+14.3% | $80,935+133.1% |
| Participation rate | 27.6% | 71.8%-44.2pp | 78.6%-51.0pp | 67.7%-40.1pp |
| Annual return | 5.87% | 16.73%-10.9pp | 70.17%-64.3pp | 35.66%-29.8pp |
| Employer contribution / active EE | $661 | $2,954-77.6% | $4,347-84.8% | $2,757-76.0% |
| Participant deferral / active EE | $2,562 | $4,476-42.8% | $6,035-57.6% | $4,299-40.4% |
| Admin fee / account holder | $372 | $8,221-95.5% | $12,695-97.1% | $6,924-94.6% |