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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 | $95,404+34.0% | $113,397+12.7% | $82,637+54.7% |
| Participation rate | 44.4% | 72.8%-28.4pp | 76.5%-32.1pp | 68.1%-23.6pp |
| Annual return | 11.45% | 19.08%-7.6pp | 23.20%-11.8pp | 53.51%-42.1pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,215 | $4,220-47.5% | $5,076-56.4% | $4,126-46.3% |
| Admin fee / account holder | $14,237 | $9,168+55.3% | $11,957+19.1% | $7,339+94.0% |