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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 | $87,878+85.5% | $97,411+67.3% | $82,637+97.2% |
| Participation rate | 14.5% | 75.6%-61.0pp | 80.4%-65.8pp | 68.1%-53.5pp |
| Annual return | 11.18% | 54.63%-43.4pp | 34.72%-23.5pp | 53.51%-42.3pp |
| Employer contribution / active EE | $571 | $3,800-85.0% | $4,210-86.4% | $2,552-77.6% |
| Participant deferral / active EE | $2,819 | $5,525-49.0% | $5,886-52.1% | $4,126-31.7% |
| Admin fee / account holder | $5,921 | $6,743-12.2% | $7,145-17.1% | $7,339-19.3% |