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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 | $96,926 | $87,132+11.2% | $105,624-8.2% | $80,959+19.7% |
| Participation rate | 62.1% | 70.4%-8.4pp | 75.3%-13.2pp | 67.7%-5.6pp |
| Annual return | 10.13% | 17.03%-6.9pp | 116.20%-106.1pp | 35.67%-25.5pp |
| Employer contribution / active EE | $0 | $2,397-100.0% | $3,168-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $5,506 | $3,985+38.1% | $5,013+9.8% | $4,300+28.0% |
| Admin fee / account holder | $2,270 | $8,449-73.1% | $10,961-79.3% | $6,925-67.2% |