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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 | $127,842 | $95,453+33.9% | $112,040+14.1% | $82,448+55.1% |
| Participation rate | 44.4% | 72.8%-28.3pp | 76.5%-32.0pp | 68.1%-23.6pp |
| Annual return | 11.45% | 23.92%-12.5pp | 24.52%-13.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,215 | $4,224-47.6% | $5,098-56.6% | $4,139-46.5% |
| Admin fee / account holder | $14,237 | $9,013+58.0% | $12,098+17.7% | $7,234+96.8% |