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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 | $94,366 | $72,607+30.0% | $90,259+4.6% | $87,485+7.9% |
| Participation rate | 35.2% | 64.8%-29.6pp | 70.7%-35.6pp | 68.9%-33.7pp |
| Annual return | 11.05% | 18.59%-7.5pp | 18.88%-7.8pp | 26.06%-15.0pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,161 | $3,055-62.0% | $3,827-69.7% | $4,274-72.8% |
| Admin fee / account holder | $2,143 | $5,947-64.0% | $7,267-70.5% | $7,775-72.4% |