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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 | $125,664 | $81,276+54.6% | $155,574-19.2% | $80,925+55.3% |
| Participation rate | 39.4% | 66.2%-26.9pp | 78.2%-38.8pp | 67.7%-28.3pp |
| Annual return | 10.17% | 33.36%-23.2pp | 64.87%-54.7pp | 35.65%-25.5pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $5,196 | $3,453+50.5% | $5,629-7.7% | $4,299+20.9% |
| Admin fee / account holder | $3,642 | $7,993-54.4% | $15,914-77.1% | $6,940-47.5% |