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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 | $94,728 | $45,343+108.9% | $150,298-37.0% | $67,986+39.3% |
| Participation rate | 20.8% | 51.9%-31.0pp | 77.8%-56.9pp | 57.2%-36.4pp |
| Annual return | 11.67% | 33.28%-21.6pp | 62.79%-51.1pp | 31.67%-20.0pp |
| Employer contribution / active EE | $21 | $1,462-98.5% | $4,154-99.5% | $2,019-98.9% |
| Participant deferral / active EE | $1,160 | $2,055-43.6% | $5,453-78.7% | $3,358-65.5% |
| Admin fee / account holder | $4,657 | $2,250+107.0% | $14,116-67.0% | $3,203+45.4% |