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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 | $101,795+21.4% | $165,100-25.1% | $80,959+52.6% |
| Participation rate | 45.0% | 71.8%-26.8pp | 78.6%-33.6pp | 67.7%-22.7pp |
| Annual return | 7.92% | 16.73%-8.8pp | 70.21%-62.3pp | 35.67%-27.7pp |
| Employer contribution / active EE | $464 | $2,954-84.3% | $4,348-89.3% | $2,757-83.2% |
| Participant deferral / active EE | $4,655 | $4,476+4.0% | $6,035-22.9% | $4,300+8.2% |
| Admin fee / account holder | $24,801 | $8,221+201.7% | $12,696+95.4% | $6,925+258.1% |