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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 | $203,733 | $126,661+60.8% | $113,397+79.7% | $138,895+46.7% |
| Participation rate | 14.3% | 79.4%-65.2pp | 76.5%-62.2pp | 79.9%-65.6pp |
| Annual return | 7.67% | 25.05%-17.4pp | 23.20%-15.5pp | 145.39%-137.7pp |
| Employer contribution / active EE | $0 | $3,456-100.0% | $2,977-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,357 | $5,693-41.0% | $5,076-33.9% | $6,396-47.5% |
| Admin fee / account holder | $1,170 | $14,549-92.0% | $11,957-90.2% | $12,562-90.7% |