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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 | $73,787+34.2% | $98,716+0.3% | $82,448+20.1% |
| Participation rate | 25.6% | 61.4%-35.8pp | 69.3%-43.7pp | 68.1%-42.4pp |
| Annual return | 9.32% | 18.57%-9.2pp | 31.81%-22.5pp | 41.64%-32.3pp |
| Employer contribution / active EE | $173 | $1,511-88.5% | $2,279-92.4% | $2,551-93.2% |
| Participant deferral / active EE | $2,676 | $3,081-13.2% | $4,048-33.9% | $4,139-35.3% |
| Admin fee / account holder | $7,108 | $6,500+9.4% | $8,703-18.3% | $7,234-1.7% |