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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 | $241,255 | $106,749+126.0% | $145,433+65.9% | $82,448+192.6% |
| Participation rate | 26.9% | 75.6%-48.7pp | 82.1%-55.2pp | 68.1%-41.1pp |
| Annual return | 10.73% | 27.59%-16.9pp | 66.58%-55.8pp | 41.64%-30.9pp |
| Employer contribution / active EE | $455 | $3,444-86.8% | $4,554-90.0% | $2,551-82.2% |
| Participant deferral / active EE | $3,556 | $6,519-45.4% | $7,897-55.0% | $4,139-14.1% |
| Admin fee / account holder | $13,293 | $8,390+58.4% | $13,129+1.2% | $7,234+83.7% |