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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 | $127,046 | $67,606+87.9% | $82,313+54.3% | $70,124+81.2% |
| Participation rate | 48.6% | 72.8%-24.2pp | 76.9%-28.3pp | 69.5%-21.0pp |
| Annual return | 11.31% | 21.57%-10.3pp | 25.88%-14.6pp | 73.14%-61.8pp |
| Employer contribution / active EE | $226 | $1,755-87.1% | $2,428-90.7% | $2,342-90.4% |
| Participant deferral / active EE | $2,393 | $2,987-19.9% | $3,706-35.4% | $3,332-28.2% |
| Admin fee / account holder | $17,881 | $4,512+296.3% | $5,608+218.8% | $4,645+284.9% |