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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 | $141,003 | $94,436+49.3% | $115,599+22.0% | $82,637+70.6% |
| Participation rate | 56.9% | 70.4%-13.6pp | 74.3%-17.4pp | 68.1%-11.2pp |
| Annual return | 11.27% | 18.37%-7.1pp | 111.10%-99.8pp | 53.51%-42.2pp |
| Employer contribution / active EE | $519 | $2,324-77.7% | $2,955-82.4% | $2,552-79.7% |
| Participant deferral / active EE | $3,212 | $3,955-18.8% | $4,889-34.3% | $4,126-22.1% |
| Admin fee / account holder | $1,628 | $10,328-84.2% | $12,841-87.3% | $7,339-77.8% |