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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 | $76,775 | $46,877+63.8% | $122,354-37.3% | $70,126+9.5% |
| Participation rate | 42.4% | 58.2%-15.8pp | 71.6%-29.3pp | 69.5%-27.2pp |
| Annual return | 12.10% | 24.22%-12.1pp | 30.28%-18.2pp | 73.15%-61.0pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,249 | $2,167+49.9% | $3,287-1.1% | $3,332-2.5% |
| Admin fee / account holder | $4,652 | $3,324+40.0% | $5,479-15.1% | $4,645+0.1% |