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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 | $233,574 | $79,894+192.4% | $135,792+72.0% | $82,637+182.6% |
| Participation rate | 31.4% | 63.0%-31.6pp | 72.6%-41.2pp | 68.1%-36.6pp |
| Annual return | 11.42% | 17.20%-5.8pp | 25.96%-14.5pp | 53.51%-42.1pp |
| Employer contribution / active EE | $296 | $2,165-86.3% | $3,496-91.5% | $2,552-88.4% |
| Participant deferral / active EE | $1,186 | $3,194-62.9% | $4,759-75.1% | $4,126-71.3% |
| Admin fee / account holder | $1,750 | $6,434-72.8% | $12,266-85.7% | $7,339-76.1% |