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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 | $140,877 | $87,060+61.8% | $105,591+33.4% | $80,911+74.1% |
| Participation rate | 63.3% | 70.4%-7.1pp | 75.3%-11.9pp | 67.6%-4.3pp |
| Annual return | 8.02% | 17.05%-9.0pp | 116.43%-108.4pp | 35.63%-27.6pp |
| Employer contribution / active EE | $594 | $2,396-75.2% | $3,166-81.2% | $2,756-78.4% |
| Participant deferral / active EE | $2,022 | $3,986-49.3% | $5,008-59.6% | $4,297-52.9% |
| Admin fee / account holder | $2,372 | $8,442-71.9% | $11,024-78.5% | $6,935-65.8% |