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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 | $136,829 | $58,627+133.4% | $76,735+78.3% | $82,448+66.0% |
| Participation rate | 40.6% | 63.2%-22.6pp | 69.5%-28.9pp | 68.1%-27.4pp |
| Annual return | 12.45% | 39.10%-26.6pp | 29.77%-17.3pp | 41.64%-29.2pp |
| Employer contribution / active EE | $291 | $1,729-83.2% | $2,454-88.1% | $2,551-88.6% |
| Participant deferral / active EE | $2,144 | $3,134-31.6% | $4,088-47.6% | $4,139-48.2% |
| Admin fee / account holder | $1,217 | $5,323-77.1% | $7,189-83.1% | $7,234-83.2% |