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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 | $216,953 | $101,798+113.1% | $165,071+31.4% | $80,935+168.1% |
| Participation rate | 36.4% | 71.8%-35.5pp | 78.6%-42.3pp | 67.7%-31.3pp |
| Annual return | 6.60% | 16.73%-10.1pp | 70.17%-63.6pp | 35.66%-29.1pp |
| Employer contribution / active EE | $512 | $2,954-82.7% | $4,347-88.2% | $2,757-81.4% |
| Participant deferral / active EE | $3,923 | $4,476-12.4% | $6,035-35.0% | $4,299-8.8% |
| Admin fee / account holder | $12,321 | $8,221+49.9% | $12,695-2.9% | $6,924+77.9% |