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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 | $248,733 | $95,404+160.7% | $113,397+119.3% | $82,637+201.0% |
| Participation rate | 29.0% | 72.8%-43.8pp | 76.5%-47.5pp | 68.1%-39.0pp |
| Annual return | 9.27% | 19.08%-9.8pp | 23.20%-13.9pp | 53.51%-44.2pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,997 | $4,220-52.7% | $5,076-60.7% | $4,126-51.6% |
| Admin fee / account holder | $3,861 | $9,168-57.9% | $11,957-67.7% | $7,339-47.4% |