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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 | $97,988 | $106,864-8.3% | $147,318-33.5% | $82,637+18.6% |
| Participation rate | 30.3% | 75.5%-45.2pp | 82.1%-51.8pp | 68.1%-37.8pp |
| Annual return | 10.68% | 27.49%-16.8pp | 70.43%-59.8pp | 53.51%-42.8pp |
| Employer contribution / active EE | $510 | $3,417-85.1% | $4,593-88.9% | $2,552-80.0% |
| Participant deferral / active EE | $3,974 | $6,496-38.8% | $7,906-49.7% | $4,126-3.7% |
| Admin fee / account holder | $5,755 | $8,415-31.6% | $13,708-58.0% | $7,339-21.6% |