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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 | $59,440+111.0% | $78,004+60.8% | $82,637+51.8% |
| Participation rate | 30.8% | 62.8%-32.1pp | 69.4%-38.7pp | 68.1%-37.3pp |
| Annual return | 12.82% | 40.24%-27.4pp | 31.07%-18.2pp | 53.51%-40.7pp |
| Employer contribution / active EE | $0 | $1,750-100.0% | $2,469-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,201 | $3,138+2.0% | $4,092-21.8% | $4,126-22.4% |
| Admin fee / account holder | $27,673 | $5,504+402.8% | $7,578+265.2% | $7,339+277.1% |