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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 | $138,595 | $80,985+71.1% | $96,576+43.5% | $75,181+84.3% |
| Participation rate | 32.5% | 71.8%-39.3pp | 76.0%-43.5pp | 67.2%-34.7pp |
| Annual return | 10.15% | 27.05%-16.9pp | 25.87%-15.7pp | 160.69%-150.5pp |
| Employer contribution / active EE | $347 | $2,282-84.8% | $2,965-88.3% | $2,671-87.0% |
| Participant deferral / active EE | $2,564 | $3,929-34.7% | $4,851-47.1% | $4,126-37.8% |
| Admin fee / account holder | $2,313 | $6,719-65.6% | $8,253-72.0% | $5,650-59.1% |