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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 | $87,914 | $76,407+15.1% | $150,298-41.5% | $82,448+6.6% |
| Participation rate | 22.4% | 66.4%-44.0pp | 77.8%-55.4pp | 68.1%-45.7pp |
| Annual return | 10.04% | 39.99%-30.0pp | 62.79%-52.7pp | 41.64%-31.6pp |
| Employer contribution / active EE | $132 | $2,614-95.0% | $4,154-96.8% | $2,551-94.8% |
| Participant deferral / active EE | $1,195 | $3,214-62.8% | $5,453-78.1% | $4,139-71.1% |
| Admin fee / account holder | $4,714 | $6,352-25.8% | $14,116-66.6% | $7,234-34.8% |