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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 | $100,605 | $89,259+12.7% | $107,187-6.1% | $82,637+21.7% |
| Participation rate | 38.5% | 67.9%-29.5pp | 75.0%-36.6pp | 68.1%-29.6pp |
| Annual return | 12.49% | 21.02%-8.5pp | 204.55%-192.1pp | 53.51%-41.0pp |
| Employer contribution / active EE | $420 | $3,080-86.4% | $3,782-88.9% | $2,552-83.5% |
| Participant deferral / active EE | $3,337 | $4,037-17.4% | $5,096-34.5% | $4,126-19.1% |
| Admin fee / account holder | $2,618 | $7,381-64.5% | $9,162-71.4% | $7,339-64.3% |