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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 | $128,766 | $76,834+67.6% | $108,359+18.8% | $87,485+47.2% |
| Participation rate | 31.1% | 61.7%-30.6pp | 70.1%-39.0pp | 68.9%-37.8pp |
| Annual return | 11.30% | 19.09%-7.8pp | 36.89%-25.6pp | 26.06%-14.8pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $3,511 | $3,100+13.2% | $4,137-15.1% | $4,274-17.8% |
| Admin fee / account holder | $28,992 | $6,537+343.5% | $9,741+197.6% | $7,775+272.9% |