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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 | $181,214 | $76,834+135.9% | $108,359+67.2% | $87,485+107.1% |
| Participation rate | 58.3% | 61.7%-3.4pp | 70.1%-11.8pp | 68.9%-10.6pp |
| Annual return | 11.91% | 19.09%-7.2pp | 36.89%-25.0pp | 26.06%-14.1pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,541 | $3,100-18.1% | $4,137-38.6% | $4,274-40.6% |
| Admin fee / account holder | $1,758 | $6,537-73.1% | $9,741-82.0% | $7,775-77.4% |