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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 | $142,065 | $106,864+32.9% | $147,318-3.6% | $82,637+71.9% |
| Participation rate | 60.0% | 75.5%-15.5pp | 82.1%-22.1pp | 68.1%-8.1pp |
| Annual return | 8.44% | 27.49%-19.1pp | 70.43%-62.0pp | 53.51%-45.1pp |
| Employer contribution / active EE | $98 | $3,417-97.1% | $4,593-97.9% | $2,552-96.1% |
| Participant deferral / active EE | $7,604 | $6,496+17.1% | $7,906-3.8% | $4,126+84.3% |
| Admin fee / account holder | $2,329 | $8,415-72.3% | $13,708-83.0% | $7,339-68.3% |