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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 | $181,730 | $106,524+70.6% | $152,301+19.3% | $87,485+107.7% |
| Participation rate | 60.0% | 75.8%-15.8pp | 82.4%-22.4pp | 68.9%-8.9pp |
| Annual return | 13.71% | 26.89%-13.2pp | 80.50%-66.8pp | 26.06%-12.3pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,580 | $6,525-60.5% | $8,004-67.8% | $4,274-39.6% |
| Admin fee / account holder | $1,788 | $8,287-78.4% | $14,398-87.6% | $7,775-77.0% |