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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 | $211,248 | $71,197+196.7% | $93,669+125.5% | $80,925+161.0% |
| Participation rate | 15.5% | 60.4%-44.9pp | 68.7%-53.2pp | 67.7%-52.2pp |
| Annual return | 8.53% | 11.27%-2.7pp | 133.59%-125.1pp | 35.65%-27.1pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,532 | $4,036-37.3% | $4,416-42.7% | $4,299-41.1% |
| Admin fee / account holder | $14,366 | $6,959+106.4% | $8,291+73.3% | $6,940+107.0% |