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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 | $86,919+73.6% | $102,457+47.2% | $80,911+86.4% |
| Participation rate | 18.0% | 72.4%-54.4pp | 76.5%-58.5pp | 67.6%-49.6pp |
| Annual return | 9.00% | 18.90%-9.9pp | 29.41%-20.4pp | 35.63%-26.6pp |
| Employer contribution / active EE | $173 | $2,368-92.7% | $3,022-94.3% | $2,756-93.7% |
| Participant deferral / active EE | $1,892 | $4,119-54.1% | $5,054-62.6% | $4,297-56.0% |
| Admin fee / account holder | $4,983 | $8,049-38.1% | $9,451-47.3% | $6,935-28.1% |