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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 | $105,499 | $101,752+3.7% | $164,928-36.0% | $80,911+30.4% |
| Participation rate | 68.3% | 71.8%-3.6pp | 78.6%-10.3pp | 67.6%+0.6pp |
| Annual return | 10.36% | 16.73%-6.4pp | 70.08%-59.7pp | 35.63%-25.3pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,622 | $4,477+25.6% | $6,034-6.8% | $4,297+30.8% |
| Admin fee / account holder | $2,144 | $8,218-73.9% | $12,684-83.1% | $6,935-69.1% |