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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 | $155,530 | $62,672+148.2% | $185,117-16.0% | $70,126+121.8% |
| Participation rate | 16.7% | 63.8%-47.1pp | 77.3%-60.6pp | 69.5%-52.9pp |
| Annual return | 12.98% | 40.79%-27.8pp | 40.50%-27.5pp | 73.15%-60.2pp |
| Employer contribution / active EE | $0 | $1,753-100.0% | $4,182-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,133 | $3,272-65.4% | $5,045-77.5% | $3,332-66.0% |
| Admin fee / account holder | $996 | $3,932-74.7% | $8,159-87.8% | $4,645-78.6% |