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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 | $104,514 | $77,472+34.9% | $100,415+4.1% | $80,959+29.1% |
| Participation rate | 33.3% | 76.9%-43.6pp | 81.5%-48.2pp | 67.7%-34.3pp |
| Annual return | 11.50% | 37.26%-25.8pp | 49.47%-38.0pp | 35.67%-24.2pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $7,036 | $6,818+3.2% | $8,091-13.0% | $4,300+63.6% |
| Admin fee / account holder | $14,364 | $5,885+144.1% | $7,906+81.7% | $6,925+107.4% |