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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 | $91,340 | $67,602+35.1% | $82,312+11.0% | $70,126+30.3% |
| Participation rate | 60.7% | 72.8%-12.1pp | 76.9%-16.2pp | 69.5%-8.8pp |
| Annual return | 11.93% | 21.57%-9.6pp | 25.88%-13.9pp | 73.15%-61.2pp |
| Employer contribution / active EE | $282 | $1,755-83.9% | $2,428-88.4% | $2,343-88.0% |
| Participant deferral / active EE | $1,704 | $2,987-43.0% | $3,706-54.0% | $3,332-48.9% |
| Admin fee / account holder | $1,076 | $4,512-76.1% | $5,608-80.8% | $4,645-76.8% |