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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 | $88,728 | $78,682+12.8% | $109,188-18.7% | $85,851+3.4% |
| Participation rate | 33.3% | 68.3%-34.9pp | 75.9%-42.5pp | 69.3%-36.0pp |
| Annual return | 9.90% | 25.09%-15.2pp | 25.76%-15.9pp | 318.63%-308.7pp |
| Employer contribution / active EE | $475 | $2,734-82.6% | $3,723-87.2% | $2,565-81.5% |
| Participant deferral / active EE | $3,265 | $3,468-5.8% | $4,654-29.8% | $3,952-17.4% |
| Admin fee / account holder | $12,533 | $5,470+129.1% | $6,755+85.5% | $6,261+100.2% |