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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 | $125,411 | $58,627+113.9% | $76,735+63.4% | $82,448+52.1% |
| Participation rate | 30.8% | 63.2%-32.4pp | 69.5%-38.7pp | 68.1%-37.3pp |
| Annual return | 12.82% | 39.10%-26.3pp | 29.77%-16.9pp | 41.64%-28.8pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,454-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,201 | $3,134+2.1% | $4,088-21.7% | $4,139-22.7% |
| Admin fee / account holder | $27,673 | $5,323+419.9% | $7,189+284.9% | $7,234+282.5% |