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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 | $126,002 | $146,267-13.9% | $197,124-36.1% | $82,448+52.8% |
| Participation rate | 65.4% | 84.0%-18.6pp | 86.7%-21.3pp | 68.1%-2.7pp |
| Annual return | 10.29% | 29.61%-19.3pp | 44.34%-34.0pp | 41.64%-31.3pp |
| Employer contribution / active EE | $1,153 | $4,723-75.6% | $6,227-81.5% | $2,551-54.8% |
| Participant deferral / active EE | $4,807 | $7,035-31.7% | $9,135-47.4% | $4,139+16.1% |
| Admin fee / account holder | $4,959 | $14,422-65.6% | $16,298-69.6% | $7,234-31.5% |