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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 | $122,789 | $88,672+38.5% | $105,223+16.7% | $82,448+48.9% |
| Participation rate | 37.5% | 67.9%-30.4pp | 75.0%-37.5pp | 68.1%-30.6pp |
| Annual return | 11.58% | 30.86%-19.3pp | 180.65%-169.1pp | 41.64%-30.1pp |
| Employer contribution / active EE | $771 | $3,048-74.7% | $3,689-79.1% | $2,551-69.8% |
| Participant deferral / active EE | $1,823 | $4,036-54.8% | $5,072-64.0% | $4,139-56.0% |
| Admin fee / account holder | $1,732 | $7,146-75.8% | $8,859-80.4% | $7,234-76.1% |