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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 | $143,539 | $80,992+77.2% | $96,534+48.7% | $75,173+90.9% |
| Participation rate | 51.3% | 71.8%-20.5pp | 76.0%-24.7pp | 67.2%-15.9pp |
| Annual return | 7.15% | 27.05%-19.9pp | 25.88%-18.7pp | 160.72%-153.6pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,061 | $3,929-47.6% | $4,851-57.5% | $4,126-50.1% |
| Admin fee / account holder | $7,223 | $6,717+7.5% | $8,253-12.5% | $5,651+27.8% |