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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 | $213,943 | $106,864+100.2% | $147,318+45.2% | $82,637+158.9% |
| Participation rate | 21.6% | 75.5%-53.9pp | 82.1%-60.4pp | 68.1%-46.4pp |
| Annual return | 10.75% | 27.49%-16.7pp | 70.43%-59.7pp | 53.51%-42.8pp |
| Employer contribution / active EE | $599 | $3,417-82.5% | $4,593-87.0% | $2,552-76.5% |
| Participant deferral / active EE | $2,635 | $6,496-59.4% | $7,906-66.7% | $4,126-36.1% |
| Admin fee / account holder | $6,532 | $8,415-22.4% | $13,708-52.3% | $7,339-11.0% |