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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 | $89,987 | $81,233+10.8% | $155,567-42.2% | $80,874+11.3% |
| Participation rate | 22.0% | 66.2%-44.3pp | 78.2%-56.2pp | 67.6%-45.7pp |
| Annual return | 9.37% | 33.33%-24.0pp | 64.74%-55.4pp | 35.62%-26.2pp |
| Employer contribution / active EE | $15 | $3,101-99.5% | $4,674-99.7% | $2,756-99.5% |
| Participant deferral / active EE | $1,182 | $3,452-65.8% | $5,628-79.0% | $4,297-72.5% |
| Admin fee / account holder | $8,354 | $7,998+4.5% | $15,916-47.5% | $6,935+20.5% |