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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 | $123,581 | $101,763+21.4% | $164,866-25.0% | $80,874+52.8% |
| Participation rate | 45.0% | 71.8%-26.8pp | 78.6%-33.6pp | 67.6%-22.6pp |
| Annual return | 7.92% | 16.73%-8.8pp | 69.97%-62.0pp | 35.62%-27.7pp |
| Employer contribution / active EE | $464 | $2,954-84.3% | $4,343-89.3% | $2,756-83.2% |
| Participant deferral / active EE | $4,655 | $4,477+4.0% | $6,033-22.8% | $4,297+8.3% |
| Admin fee / account holder | $24,801 | $8,228+201.4% | $12,689+95.5% | $6,935+257.6% |