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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 | $81,504+13.1% | $102,437-10.0% | $80,959+13.9% |
| Participation rate | 25.0% | 66.9%-41.9pp | 74.5%-49.5pp | 67.7%-42.7pp |
| Annual return | 8.97% | 25.60%-16.6pp | 24.95%-16.0pp | 35.67%-26.7pp |
| Employer contribution / active EE | $697 | $3,104-77.5% | $3,871-82.0% | $2,757-74.7% |
| Participant deferral / active EE | $1,916 | $3,871-50.5% | $5,060-62.1% | $4,300-55.5% |
| Admin fee / account holder | $8,655 | $6,719+28.8% | $8,388+3.2% | $6,925+25.0% |