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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 | $182,502 | $106,524+71.3% | $152,301+19.8% | $87,485+108.6% |
| Participation rate | 28.6% | 75.8%-47.2pp | 82.4%-53.9pp | 68.9%-40.4pp |
| Annual return | 12.53% | 26.89%-14.4pp | 80.50%-68.0pp | 26.06%-13.5pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,899 | $6,525-55.6% | $8,004-63.8% | $4,274-32.2% |
| Admin fee / account holder | $1,353 | $8,287-83.7% | $14,398-90.6% | $7,775-82.6% |