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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 | $93,858 | $88,672+5.8% | $105,223-10.8% | $82,448+13.8% |
| Participation rate | 43.8% | 67.9%-24.1pp | 75.0%-31.2pp | 68.1%-24.2pp |
| Annual return | 11.58% | 30.86%-19.3pp | 180.65%-169.1pp | 41.64%-30.1pp |
| Employer contribution / active EE | $215 | $3,048-93.0% | $3,689-94.2% | $2,551-91.6% |
| Participant deferral / active EE | $3,866 | $4,036-4.2% | $5,072-23.8% | $4,139-6.6% |
| Admin fee / account holder | $17,059 | $7,146+138.7% | $8,859+92.6% | $7,234+135.8% |