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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 | $75,720+24.6% | $90,312+4.5% | $86,983+8.5% |
| Participation rate | 35.2% | 66.3%-31.1pp | 72.9%-37.7pp | 69.5%-34.4pp |
| Annual return | 11.05% | 18.55%-7.5pp | 18.90%-7.8pp | 25.83%-14.8pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,243-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,161 | $3,001-61.3% | $3,749-69.0% | $4,194-72.3% |
| Admin fee / account holder | $2,143 | $6,201-65.4% | $8,248-74.0% | $7,856-72.7% |