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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 | $89,368 | $90,400-1.1% | $186,193-52.0% | $87,485+2.2% |
| Participation rate | 39.2% | 66.2%-27.0pp | 77.1%-37.9pp | 68.9%-29.7pp |
| Annual return | 12.04% | 22.15%-10.1pp | 78.03%-66.0pp | 26.06%-14.0pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,043 | $4,330-29.7% | $6,513-53.3% | $4,274-28.8% |
| Admin fee / account holder | $12,574 | $8,673+45.0% | $11,058+13.7% | $7,775+61.7% |