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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 | $158,264 | $86,938+82.0% | $102,423+54.5% | $80,925+95.6% |
| Participation rate | 51.3% | 72.4%-21.1pp | 76.5%-25.2pp | 67.7%-16.4pp |
| Annual return | 6.39% | 18.89%-12.5pp | 29.42%-23.0pp | 35.65%-29.3pp |
| Employer contribution / active EE | $0 | $2,369-100.0% | $3,023-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,066 | $4,120-49.9% | $5,054-59.1% | $4,299-51.9% |
| Admin fee / account holder | $3,443 | $8,053-57.2% | $9,455-63.6% | $6,940-50.4% |