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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 | $103,160 | $86,949+18.6% | $102,460+0.7% | $80,959+27.4% |
| Participation rate | 19.4% | 72.4%-52.9pp | 76.5%-57.1pp | 67.7%-48.2pp |
| Annual return | 9.24% | 18.89%-9.7pp | 29.47%-20.2pp | 35.67%-26.4pp |
| Employer contribution / active EE | $628 | $2,370-73.5% | $3,025-79.2% | $2,757-77.2% |
| Participant deferral / active EE | $2,237 | $4,121-45.7% | $5,056-55.8% | $4,300-48.0% |
| Admin fee / account holder | $10,374 | $8,048+28.9% | $9,460+9.7% | $6,925+49.8% |