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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 | $117,757 | $78,197+50.6% | $98,090+20.0% | $82,637+42.5% |
| Participation rate | 35.9% | 77.5%-41.6pp | 81.5%-45.7pp | 68.1%-32.2pp |
| Annual return | 13.42% | 40.25%-26.8pp | 37.05%-23.6pp | 53.51%-40.1pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,836 | $6,636-27.1% | $7,845-38.4% | $4,126+17.2% |
| Admin fee / account holder | $5,689 | $14,832-61.6% | $11,815-51.8% | $7,339-22.5% |