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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 | $150,854 | $86,949+73.5% | $102,460+47.2% | $80,959+86.3% |
| Participation rate | 18.0% | 72.4%-54.4pp | 76.5%-58.5pp | 67.7%-49.7pp |
| Annual return | 9.00% | 18.89%-9.9pp | 29.47%-20.5pp | 35.67%-26.7pp |
| Employer contribution / active EE | $173 | $2,370-92.7% | $3,025-94.3% | $2,757-93.7% |
| Participant deferral / active EE | $1,892 | $4,121-54.1% | $5,056-62.6% | $4,300-56.0% |
| Admin fee / account holder | $4,983 | $8,048-38.1% | $9,460-47.3% | $6,925-28.0% |