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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 | $220,544 | $66,402+232.1% | $109,907+100.7% | $85,847+156.9% |
| Participation rate | 47.2% | 63.9%-16.6pp | 74.2%-27.0pp | 69.3%-22.1pp |
| Annual return | 10.87% | 19.59%-8.7pp | 29.46%-18.6pp | 318.61%-307.7pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,844-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,746 | $2,842+31.8% | $4,047-7.4% | $3,952-5.2% |
| Admin fee / account holder | $7,436 | $4,557+63.2% | $6,069+22.5% | $6,261+18.8% |