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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 | $95,404+126.0% | $113,397+90.2% | $82,637+161.0% |
| Participation rate | 38.0% | 72.8%-34.8pp | 76.5%-38.5pp | 68.1%-30.1pp |
| Annual return | 11.97% | 19.08%-7.1pp | 23.20%-11.2pp | 53.51%-41.5pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,948 | $4,220-53.8% | $5,076-61.6% | $4,126-52.8% |
| Admin fee / account holder | $12,182 | $9,168+32.9% | $11,957+1.9% | $7,339+66.0% |