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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 | $96,817 | $78,707+23.0% | $117,861-17.9% | $70,126+38.1% |
| Participation rate | 40.7% | 73.2%-32.5pp | 79.7%-38.9pp | 69.5%-28.8pp |
| Annual return | 11.28% | 23.30%-12.0pp | 335.11%-323.8pp | 73.15%-61.9pp |
| Employer contribution / active EE | $490 | $2,223-78.0% | $3,786-87.1% | $2,343-79.1% |
| Participant deferral / active EE | $2,310 | $3,297-30.0% | $4,482-48.5% | $3,332-30.7% |
| Admin fee / account holder | $7,714 | $5,066+52.3% | $8,021-3.8% | $4,645+66.1% |