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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 | $93,110 | $77,896+19.5% | $134,172-30.6% | $82,448+12.9% |
| Participation rate | 51.3% | 62.8%-11.5pp | 72.5%-21.2pp | 68.1%-16.8pp |
| Annual return | 11.50% | 18.21%-6.7pp | 25.30%-13.8pp | 41.64%-30.1pp |
| Employer contribution / active EE | $118 | $2,159-94.5% | $3,420-96.5% | $2,551-95.4% |
| Participant deferral / active EE | $3,046 | $3,162-3.7% | $4,690-35.1% | $4,139-26.4% |
| Admin fee / account holder | $2,928 | $6,336-53.8% | $12,016-75.6% | $7,234-59.5% |