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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 | $110,647 | $99,994+10.7% | $146,643-24.5% | $85,847+28.9% |
| Participation rate | 51.9% | 73.1%-21.2pp | 80.1%-28.2pp | 69.3%-17.4pp |
| Annual return | 9.41% | 18.93%-9.5pp | 22.75%-13.3pp | 318.61%-309.2pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $4,497 | $4,006+12.2% | $5,506-18.3% | $3,952+13.8% |
| Admin fee / account holder | $11,914 | $7,703+54.7% | $10,280+15.9% | $6,261+90.3% |