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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 | $162,992 | $90,674+79.8% | $96,707+68.5% | $82,448+97.7% |
| Participation rate | 14.5% | 75.9%-61.4pp | 80.4%-65.8pp | 68.1%-53.5pp |
| Annual return | 11.18% | 49.05%-37.9pp | 34.78%-23.6pp | 41.64%-30.5pp |
| Employer contribution / active EE | $571 | $3,975-85.6% | $4,191-86.4% | $2,551-77.6% |
| Participant deferral / active EE | $2,819 | $5,696-50.5% | $5,997-53.0% | $4,139-31.9% |
| Admin fee / account holder | $5,921 | $7,568-21.8% | $7,503-21.1% | $7,234-18.2% |