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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 | $101,417 | $71,230+42.4% | $93,727+8.2% | $80,959+25.3% |
| Participation rate | 44.0% | 60.4%-16.4pp | 68.7%-24.7pp | 67.7%-23.7pp |
| Annual return | 9.12% | 11.26%-2.1pp | 133.83%-124.7pp | 35.67%-26.5pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,449 | $4,037-39.3% | $4,417-44.6% | $4,300-43.1% |
| Admin fee / account holder | $11,791 | $6,961+69.4% | $8,292+42.2% | $6,925+70.3% |