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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 | $94,481 | $69,977+35.0% | $108,582-13.0% | $62,881+50.3% |
| Participation rate | 36.4% | 72.9%-36.5pp | 79.6%-43.2pp | 69.3%-32.9pp |
| Annual return | 2.10% | 10.73%-8.6pp | -51.70%+53.8pp | 20.14%-18.0pp |
| Employer contribution / active EE | $279 | $2,135-86.9% | $3,758-92.6% | $2,281-87.7% |
| Participant deferral / active EE | $3,366 | $3,165+6.4% | $4,311-21.9% | $3,203+5.1% |
| Admin fee / account holder | $11,120 | $5,076+119.0% | $7,645+45.4% | $4,296+158.9% |