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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 | $98,711 | $83,369+18.4% | $105,223-6.2% | $67,986+45.2% |
| Participation rate | 24.0% | 56.3%-32.3pp | 75.0%-51.1pp | 57.2%-33.2pp |
| Annual return | 12.58% | 24.64%-12.1pp | 180.65%-168.1pp | 31.67%-19.1pp |
| Employer contribution / active EE | $171 | $2,541-93.3% | $3,689-95.4% | $2,019-91.5% |
| Participant deferral / active EE | $1,599 | $3,295-51.5% | $5,072-68.5% | $3,358-52.4% |
| Admin fee / account holder | $3,789 | $4,073-7.0% | $8,859-57.2% | $3,203+18.3% |