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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 | $104,788 | $79,894+31.2% | $135,792-22.8% | $82,637+26.8% |
| Participation rate | 56.8% | 63.0%-6.2pp | 72.6%-15.8pp | 68.1%-11.2pp |
| Annual return | 4.40% | 17.20%-12.8pp | 25.96%-21.6pp | 53.51%-49.1pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,496-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $7,047 | $3,194+120.6% | $4,759+48.1% | $4,126+70.8% |
| Admin fee / account holder | $6,414 | $6,434-0.3% | $12,266-47.7% | $7,339-12.6% |