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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 | $98,995 | $83,898+18.0% | $133,346-25.8% | $94,015+5.3% |
| Participation rate | 25.6% | 63.4%-37.7pp | 72.8%-47.2pp | 70.8%-45.2pp |
| Annual return | 9.32% | 16.00%-6.7pp | 36.85%-27.5pp | 17.84%-8.5pp |
| Employer contribution / active EE | $173 | $1,821-90.5% | $2,853-93.9% | $2,790-93.8% |
| Participant deferral / active EE | $2,676 | $3,245-17.5% | $4,332-38.2% | $4,249-37.0% |
| Admin fee / account holder | $7,108 | $7,809-9.0% | $14,264-50.2% | $8,951-20.6% |