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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 | $134,648 | $54,541+146.9% | $78,778+70.9% | $70,126+92.0% |
| Participation rate | 58.8% | 60.8%-2.0pp | 69.2%-10.4pp | 69.5%-10.7pp |
| Annual return | 9.37% | 21.07%-11.7pp | 35.62%-26.3pp | 73.15%-63.8pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $4,198 | $2,210+89.9% | $2,958+41.9% | $3,332+26.0% |
| Admin fee / account holder | $1,561 | $3,709-57.9% | $5,134-69.6% | $4,645-66.4% |