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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 | $77,492+34.9% | $100,398+4.1% | $80,911+29.2% |
| Participation rate | 33.3% | 76.9%-43.6pp | 81.5%-48.2pp | 67.6%-34.3pp |
| Annual return | 11.50% | 37.23%-25.7pp | 49.32%-37.8pp | 35.63%-24.1pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,946-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $7,036 | $6,817+3.2% | $8,084-13.0% | $4,297+63.7% |
| Admin fee / account holder | $14,364 | $5,892+143.8% | $7,893+82.0% | $6,935+107.1% |