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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 | $178,407 | $124,425+43.4% | $112,040+59.2% | $137,256+30.0% |
| Participation rate | 34.8% | 79.3%-44.5pp | 76.5%-41.7pp | 80.0%-45.2pp |
| Annual return | 9.84% | 24.72%-14.9pp | 24.52%-14.7pp | 220.34%-210.5pp |
| Employer contribution / active EE | $0 | $3,411-100.0% | $2,954-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,168 | $5,718-62.1% | $5,098-57.5% | $6,407-66.2% |
| Admin fee / account holder | $4,158 | $15,207-72.7% | $12,098-65.6% | $12,270-66.1% |