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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 | $92,562 | $58,627+57.9% | $76,735+20.6% | $82,448+12.3% |
| Participation rate | 29.6% | 63.2%-33.6pp | 69.5%-39.9pp | 68.1%-38.4pp |
| Annual return | 12.92% | 39.10%-26.2pp | 29.77%-16.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $249 | $1,729-85.6% | $2,454-89.9% | $2,551-90.2% |
| Participant deferral / active EE | $2,607 | $3,134-16.8% | $4,088-36.2% | $4,139-37.0% |
| Admin fee / account holder | $2,923 | $5,323-45.1% | $7,189-59.3% | $7,234-59.6% |