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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 | $128,028 | $57,828+121.4% | $117,039+9.4% | $70,124+82.6% |
| Participation rate | 38.7% | 67.1%-28.4pp | 77.2%-38.5pp | 69.5%-30.8pp |
| Annual return | 10.09% | 17.55%-7.5pp | 18.95%-8.9pp | 73.14%-63.1pp |
| Employer contribution / active EE | $265 | $1,816-85.4% | $3,785-93.0% | $2,342-88.7% |
| Participant deferral / active EE | $1,058 | $2,438-56.6% | $3,929-73.1% | $3,332-68.2% |
| Admin fee / account holder | $4,116 | $3,548+16.0% | $5,974-31.1% | $4,645-11.4% |