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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 | $100,394 | $88,672+13.2% | $105,223-4.6% | $82,448+21.8% |
| Participation rate | 56.4% | 67.9%-11.6pp | 75.0%-18.7pp | 68.1%-11.7pp |
| Annual return | 10.96% | 30.86%-19.9pp | 180.65%-169.7pp | 41.64%-30.7pp |
| Employer contribution / active EE | $663 | $3,048-78.2% | $3,689-82.0% | $2,551-74.0% |
| Participant deferral / active EE | $2,623 | $4,036-35.0% | $5,072-48.3% | $4,139-36.6% |
| Admin fee / account holder | $5,807 | $7,146-18.7% | $8,859-34.5% | $7,234-19.7% |