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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 | $95,722 | $76,834+24.6% | $108,359-11.7% | $87,485+9.4% |
| Participation rate | 32.8% | 61.7%-28.9pp | 70.1%-37.3pp | 68.9%-36.1pp |
| Annual return | 10.22% | 19.09%-8.9pp | 36.89%-26.7pp | 26.06%-15.8pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,258 | $3,100-27.2% | $4,137-45.4% | $4,274-47.2% |
| Admin fee / account holder | $5,072 | $6,537-22.4% | $9,741-47.9% | $7,775-34.8% |