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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 | $105,959 | $54,541+94.3% | $78,778+34.5% | $70,126+51.1% |
| Participation rate | 22.4% | 60.8%-38.4pp | 69.2%-46.8pp | 69.5%-47.1pp |
| Annual return | 10.66% | 21.07%-10.4pp | 35.62%-25.0pp | 73.15%-62.5pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,016 | $2,210-8.8% | $2,958-31.9% | $3,332-39.5% |
| Admin fee / account holder | $1,606 | $3,709-56.7% | $5,134-68.7% | $4,645-65.4% |