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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 | $143,694 | $100,003+43.7% | $146,685-2.0% | $85,856+67.4% |
| Participation rate | 47.8% | 73.1%-25.2pp | 80.1%-32.2pp | 69.3%-21.5pp |
| Annual return | 10.97% | 18.93%-8.0pp | 22.75%-11.8pp | 318.58%-307.6pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,472 | $4,006-38.3% | $5,507-55.1% | $3,952-37.5% |
| Admin fee / account holder | $6,975 | $7,704-9.5% | $10,281-32.2% | $6,261+11.4% |