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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 | $59,440+130.2% | $78,004+75.4% | $82,637+65.6% |
| Participation rate | 40.6% | 62.8%-22.2pp | 69.4%-28.8pp | 68.1%-27.4pp |
| Annual return | 12.45% | 40.24%-27.8pp | 31.07%-18.6pp | 53.51%-41.1pp |
| Employer contribution / active EE | $291 | $1,750-83.4% | $2,469-88.2% | $2,552-88.6% |
| Participant deferral / active EE | $2,144 | $3,138-31.7% | $4,092-47.6% | $4,126-48.0% |
| Admin fee / account holder | $1,217 | $5,504-77.9% | $7,578-83.9% | $7,339-83.4% |