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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 | $154,579 | $97,550+58.5% | $120,344+28.4% | $87,485+76.7% |
| Participation rate | 57.9% | 72.8%-14.9pp | 76.7%-18.8pp | 68.9%-11.0pp |
| Annual return | 8.93% | 18.41%-9.5pp | 20.30%-11.4pp | 26.06%-17.1pp |
| Employer contribution / active EE | $398 | $2,291-82.6% | $3,020-86.8% | $2,596-84.7% |
| Participant deferral / active EE | $4,498 | $4,230+6.3% | $5,135-12.4% | $4,274+5.2% |
| Admin fee / account holder | $9,888 | $9,543+3.6% | $12,742-22.4% | $7,775+27.2% |