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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 | $100,493 | $81,358+23.5% | $155,556-35.4% | $80,959+24.1% |
| Participation rate | 32.4% | 66.3%-33.8pp | 78.2%-45.8pp | 67.7%-35.2pp |
| Annual return | 10.26% | 33.39%-23.1pp | 64.84%-54.6pp | 35.67%-25.4pp |
| Employer contribution / active EE | $0 | $3,106-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,668 | $3,455-51.7% | $5,631-70.4% | $4,300-61.2% |
| Admin fee / account holder | $2,651 | $7,994-66.8% | $15,885-83.3% | $6,925-61.7% |