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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 | $91,980 | $78,423+17.3% | $95,964-4.2% | $79,856+15.2% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.1%-27.1pp | 69.6%-19.6pp |
| Annual return | 6.76% | 19.37%-12.6pp | 91.64%-84.9pp | 31.71%-25.0pp |
| Employer contribution / active EE | $457 | $1,945-76.5% | $2,541-82.0% | $2,471-81.5% |
| Participant deferral / active EE | $3,903 | $3,440+13.5% | $4,167-6.3% | $3,741+4.4% |
| Admin fee / account holder | $1,183 | $5,622-79.0% | $6,797-82.6% | $5,306-77.7% |