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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 | $215,647 | $95,453+125.9% | $112,040+92.5% | $82,448+161.6% |
| Participation rate | 38.0% | 72.8%-34.8pp | 76.5%-38.5pp | 68.1%-30.1pp |
| Annual return | 11.97% | 23.92%-11.9pp | 24.52%-12.5pp | 41.64%-29.7pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,948 | $4,224-53.9% | $5,098-61.8% | $4,139-52.9% |
| Admin fee / account holder | $12,182 | $9,013+35.2% | $12,098+0.7% | $7,234+68.4% |