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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 | $94,545 | $77,574+21.9% | $108,753-13.1% | $86,983+8.7% |
| Participation rate | 56.8% | 62.3%-5.5pp | 71.1%-14.3pp | 69.5%-12.8pp |
| Annual return | 10.04% | 18.42%-8.4pp | 37.47%-27.4pp | 25.83%-15.8pp |
| Employer contribution / active EE | $275 | $1,611-82.9% | $2,427-88.7% | $2,584-89.4% |
| Participant deferral / active EE | $2,961 | $3,128-5.4% | $4,115-28.1% | $4,194-29.4% |
| Admin fee / account holder | $23,009 | $6,529+252.4% | $10,320+123.0% | $7,856+192.9% |