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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 | $102,912 | $106,749-3.6% | $145,433-29.2% | $82,448+24.8% |
| Participation rate | 20.0% | 75.6%-55.6pp | 82.1%-62.1pp | 68.1%-48.1pp |
| Annual return | 13.37% | 27.59%-14.2pp | 66.58%-53.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $412 | $3,444-88.0% | $4,554-90.9% | $2,551-83.8% |
| Participant deferral / active EE | $2,887 | $6,519-55.7% | $7,897-63.4% | $4,139-30.2% |
| Admin fee / account holder | $504 | $8,390-94.0% | $13,129-96.2% | $7,234-93.0% |