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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 | $140,381 | $81,358+72.5% | $155,556-9.8% | $80,959+73.4% |
| Participation rate | 11.1% | 66.3%-55.2pp | 78.2%-67.1pp | 67.7%-56.6pp |
| Annual return | 5.91% | 33.39%-27.5pp | 64.84%-58.9pp | 35.67%-29.8pp |
| Employer contribution / active EE | $306 | $3,106-90.2% | $4,675-93.5% | $2,757-88.9% |
| Participant deferral / active EE | $1,587 | $3,455-54.1% | $5,631-71.8% | $4,300-63.1% |
| Admin fee / account holder | $438 | $7,994-94.5% | $15,885-97.2% | $6,925-93.7% |