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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 | $96,284 | $58,493+64.6% | $84,023+14.6% | $72,976+31.9% |
| Participation rate | 53.6% | 61.2%-7.7pp | 69.0%-15.4pp | 69.5%-15.9pp |
| Annual return | 14.74% | 28.93%-14.2pp | 71.32%-56.6pp | 81.02%-66.3pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,479 | $2,394+3.6% | $3,239-23.5% | $3,608-31.3% |
| Admin fee / account holder | $1,696 | $4,569-62.9% | $6,102-72.2% | $5,124-66.9% |