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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 | $99,590 | $77,908+27.8% | $149,696-33.5% | $75,173+32.5% |
| Participation rate | 26.8% | 65.6%-38.8pp | 78.8%-51.9pp | 67.2%-40.4pp |
| Annual return | 10.99% | 31.73%-20.7pp | 134.46%-123.5pp | 160.72%-149.7pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,447 | $3,411-57.6% | $5,682-74.5% | $4,126-64.9% |
| Admin fee / account holder | $3,604 | $5,950-39.4% | $13,212-72.7% | $5,651-36.2% |