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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 | $106,749+100.4% | $145,433+47.1% | $82,448+159.5% |
| Participation rate | 21.6% | 75.6%-54.0pp | 82.1%-60.5pp | 68.1%-46.4pp |
| Annual return | 10.75% | 27.59%-16.8pp | 66.58%-55.8pp | 41.64%-30.9pp |
| Employer contribution / active EE | $599 | $3,444-82.6% | $4,554-86.9% | $2,551-76.5% |
| Participant deferral / active EE | $2,635 | $6,519-59.6% | $7,897-66.6% | $4,139-36.3% |
| Admin fee / account holder | $6,532 | $8,390-22.1% | $13,129-50.2% | $7,234-9.7% |