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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 | $93,345+7.6% | $119,126-15.7% | $87,485+14.8% |
| Participation rate | 56.4% | 68.7%-12.4pp | 75.8%-19.4pp | 68.9%-12.6pp |
| Annual return | 10.96% | 19.08%-8.1pp | 282.11%-271.1pp | 26.06%-15.1pp |
| Employer contribution / active EE | $663 | $3,172-79.1% | $4,034-83.6% | $2,596-74.5% |
| Participant deferral / active EE | $2,623 | $4,099-36.0% | $5,318-50.7% | $4,274-38.6% |
| Admin fee / account holder | $5,807 | $8,039-27.8% | $10,693-45.7% | $7,775-25.3% |