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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 | $165,027 | $95,453+72.9% | $112,040+47.3% | $82,448+100.2% |
| Participation rate | 39.6% | 72.8%-33.2pp | 76.5%-36.9pp | 68.1%-28.5pp |
| Annual return | 12.21% | 23.92%-11.7pp | 24.52%-12.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $589 | $2,318-74.6% | $2,954-80.0% | $2,551-76.9% |
| Participant deferral / active EE | $2,359 | $4,224-44.2% | $5,098-53.7% | $4,139-43.0% |
| Admin fee / account holder | $35,001 | $9,013+288.3% | $12,098+189.3% | $7,234+383.8% |