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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 | $92,177 | $81,446+13.2% | $103,374-10.8% | $80,874+14.0% |
| Participation rate | 25.0% | 66.9%-41.9pp | 74.5%-49.5pp | 67.6%-42.6pp |
| Annual return | 8.97% | 25.57%-16.6pp | 24.89%-15.9pp | 35.62%-26.6pp |
| Employer contribution / active EE | $697 | $3,107-77.6% | $3,869-82.0% | $2,756-74.7% |
| Participant deferral / active EE | $1,916 | $3,870-50.5% | $5,058-62.1% | $4,297-55.4% |
| Admin fee / account holder | $8,655 | $6,715+28.9% | $8,394+3.1% | $6,935+24.8% |