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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 | $221,734 | $99,875+122.0% | $146,866+51.0% | $86,983+154.9% |
| Participation rate | 46.2% | 75.8%-29.7pp | 82.5%-36.4pp | 69.5%-23.4pp |
| Annual return | 9.15% | 28.10%-18.9pp | 102.85%-93.7pp | 25.83%-16.7pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $7,884 | $6,322+24.7% | $7,759+1.6% | $4,194+88.0% |
| Admin fee / account holder | $77,211 | $7,838+885.1% | $13,620+466.9% | $7,856+882.8% |