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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 | $126,638 | $70,486+79.7% | $100,535+26.0% | $79,856+58.6% |
| Participation rate | 65.7% | 73.6%-7.9pp | 79.4%-13.7pp | 69.6%-3.9pp |
| Annual return | 8.70% | 21.90%-13.2pp | 30.90%-22.2pp | 31.71%-23.0pp |
| Employer contribution / active EE | $107 | $2,165-95.1% | $3,419-96.9% | $2,471-95.7% |
| Participant deferral / active EE | $2,350 | $5,182-54.6% | $6,271-62.5% | $3,741-37.2% |
| Admin fee / account holder | $5,144 | $4,480+14.8% | $8,085-36.4% | $5,306-3.1% |