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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 | $97,044 | $85,766+13.2% | $136,297-28.8% | $70,131+38.4% |
| Participation rate | 57.1% | 74.2%-17.0pp | 81.9%-24.8pp | 69.5%-12.4pp |
| Annual return | 11.05% | 31.45%-20.4pp | 5156.16%-5145.1pp | 73.14%-62.1pp |
| Employer contribution / active EE | $376 | $2,966-87.3% | $4,696-92.0% | $2,342-84.0% |
| Participant deferral / active EE | $2,503 | $5,051-50.4% | $6,247-59.9% | $3,332-24.9% |
| Admin fee / account holder | $6,681 | $5,420+23.3% | $9,244-27.7% | $4,645+43.8% |