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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 | $117,432 | $110,137+6.6% | $161,149-27.1% | $82,637+42.1% |
| Participation rate | 58.6% | 72.4%-13.7pp | 78.8%-20.2pp | 68.1%-9.4pp |
| Annual return | 12.03% | 20.69%-8.7pp | 21.16%-9.1pp | 53.51%-41.5pp |
| Employer contribution / active EE | $579 | $2,856-79.7% | $4,360-86.7% | $2,552-77.3% |
| Participant deferral / active EE | $2,732 | $4,575-40.3% | $6,153-55.6% | $4,126-33.8% |
| Admin fee / account holder | $8,979 | $9,467-5.2% | $15,194-40.9% | $7,339+22.3% |