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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 | $101,126 | $91,559+10.4% | $133,971-24.5% | $79,852+26.6% |
| Participation rate | 25.0% | 73.3%-48.3pp | 79.8%-54.8pp | 69.6%-44.6pp |
| Annual return | 9.21% | 61.85%-52.6pp | 45.09%-35.9pp | 31.72%-22.5pp |
| Employer contribution / active EE | $360 | $2,384-84.9% | $3,919-90.8% | $2,471-85.4% |
| Participant deferral / active EE | $3,072 | $3,734-17.7% | $5,047-39.1% | $3,740-17.9% |
| Admin fee / account holder | $10,716 | $6,321+69.5% | $8,929+20.0% | $5,306+101.9% |