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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 | $203,713 | $76,407+166.6% | $150,298+35.5% | $82,448+147.1% |
| Participation rate | 24.2% | 66.4%-42.2pp | 77.8%-53.5pp | 68.1%-43.8pp |
| Annual return | 8.96% | 39.99%-31.0pp | 62.79%-53.8pp | 41.64%-32.7pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,445 | $3,214+7.2% | $5,453-36.8% | $4,139-16.8% |
| Admin fee / account holder | $10,049 | $6,352+58.2% | $14,116-28.8% | $7,234+38.9% |