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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 | $165,321 | $78,682+110.1% | $109,188+51.4% | $85,851+92.6% |
| Participation rate | 38.0% | 68.3%-30.3pp | 75.9%-37.9pp | 69.3%-31.3pp |
| Annual return | 10.35% | 25.09%-14.7pp | 25.76%-15.4pp | 318.63%-308.3pp |
| Employer contribution / active EE | $650 | $2,734-76.2% | $3,723-82.5% | $2,565-74.7% |
| Participant deferral / active EE | $1,643 | $3,468-52.6% | $4,654-64.7% | $3,952-58.4% |
| Admin fee / account holder | $5,329 | $5,470-2.6% | $6,755-21.1% | $6,261-14.9% |