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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 | $138,484 | $68,880+101.1% | $120,580+14.8% | $80,959+71.1% |
| Participation rate | 67.9% | 61.7%+6.2pp | 72.0%-4.1pp | 67.7%+0.2pp |
| Annual return | 10.20% | 23.68%-13.5pp | 107.48%-97.3pp | 35.67%-25.5pp |
| Employer contribution / active EE | $0 | $2,066-100.0% | $3,469-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,210 | $3,191+0.6% | $4,995-35.7% | $4,300-25.4% |
| Admin fee / account holder | $3,342 | $5,785-42.2% | $9,418-64.5% | $6,925-51.7% |