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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 | $118,261 | $106,749+10.8% | $145,433-18.7% | $82,448+43.4% |
| Participation rate | 13.8% | 75.6%-61.9pp | 82.1%-68.3pp | 68.1%-54.3pp |
| Annual return | 10.57% | 27.59%-17.0pp | 66.58%-56.0pp | 41.64%-31.1pp |
| Employer contribution / active EE | $584 | $3,444-83.0% | $4,554-87.2% | $2,551-77.1% |
| Participant deferral / active EE | $2,738 | $6,519-58.0% | $7,897-65.3% | $4,139-33.8% |
| Admin fee / account holder | $5,397 | $8,390-35.7% | $13,129-58.9% | $7,234-25.4% |