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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 | $112,946 | $76,551+47.5% | $123,894-8.8% | $62,881+79.6% |
| Participation rate | 35.4% | 73.0%-37.6pp | 81.4%-46.0pp | 69.3%-33.9pp |
| Annual return | 5.51% | 18.68%-13.2pp | 47.52%-42.0pp | 20.14%-14.6pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $3,649 | $4,840-24.6% | $5,984-39.0% | $3,203+13.9% |
| Admin fee / account holder | $8,960 | $4,826+85.7% | $8,357+7.2% | $4,296+108.6% |