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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 | $91,490 | $106,749-14.3% | $145,433-37.1% | $82,448+11.0% |
| Participation rate | 41.5% | 75.6%-34.1pp | 82.1%-40.6pp | 68.1%-26.6pp |
| Annual return | 13.04% | 27.59%-14.6pp | 66.58%-53.5pp | 41.64%-28.6pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $8,315 | $6,519+27.6% | $7,897+5.3% | $4,139+100.9% |
| Admin fee / account holder | $28,344 | $8,390+237.8% | $13,129+115.9% | $7,234+291.8% |