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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 | $145,431-13.4% | $211,142-40.3% | $87,485+44.0% |
| Participation rate | 65.4% | 84.7%-19.4pp | 87.3%-21.9pp | 68.9%-3.5pp |
| Annual return | 10.29% | 27.21%-16.9pp | 46.84%-36.5pp | 26.06%-15.8pp |
| Employer contribution / active EE | $1,153 | $4,662-75.3% | $6,442-82.1% | $2,596-55.6% |
| Participant deferral / active EE | $4,807 | $6,859-29.9% | $9,284-48.2% | $4,274+12.5% |
| Admin fee / account holder | $4,959 | $17,052-70.9% | $19,076-74.0% | $7,775-36.2% |