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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 | $113,280 | $72,486+56.3% | $87,103+30.1% | $72,976+55.2% |
| Participation rate | 47.8% | 72.8%-25.0pp | 76.9%-29.0pp | 69.5%-21.7pp |
| Annual return | 11.21% | 24.46%-13.2pp | 28.19%-17.0pp | 81.02%-69.8pp |
| Employer contribution / active EE | $278 | $1,894-85.3% | $2,521-89.0% | $2,440-88.6% |
| Participant deferral / active EE | $1,992 | $3,270-39.1% | $4,049-50.8% | $3,608-44.8% |
| Admin fee / account holder | $775 | $5,055-84.7% | $7,491-89.7% | $5,124-84.9% |