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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 | $136,939 | $93,617+46.3% | $135,982+0.7% | $75,177+82.2% |
| Participation rate | 14.7% | 75.2%-60.5pp | 81.9%-67.2pp | 67.2%-52.5pp |
| Annual return | 11.81% | 30.89%-19.1pp | 68.32%-56.5pp | 160.75%-148.9pp |
| Employer contribution / active EE | $61 | $3,538-98.3% | $4,859-98.8% | $2,671-97.7% |
| Participant deferral / active EE | $4,263 | $6,406-33.5% | $7,760-45.1% | $4,126+3.3% |
| Admin fee / account holder | $2,570 | $6,980-63.2% | $10,767-76.1% | $5,651-54.5% |