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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 | $133,606 | $101,778+31.3% | $164,975-19.0% | $80,925+65.1% |
| Participation rate | 43.6% | 71.8%-28.2pp | 78.6%-35.0pp | 67.7%-24.1pp |
| Annual return | 10.03% | 16.73%-6.7pp | 70.12%-60.1pp | 35.65%-25.6pp |
| Employer contribution / active EE | $601 | $2,954-79.7% | $4,343-86.2% | $2,756-78.2% |
| Participant deferral / active EE | $2,005 | $4,477-55.2% | $6,033-66.8% | $4,299-53.4% |
| Admin fee / account holder | $3,309 | $8,221-59.7% | $12,688-73.9% | $6,940-52.3% |