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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 | $121,278 | $99,875+21.4% | $146,866-17.4% | $86,983+39.4% |
| Participation rate | 44.0% | 75.8%-31.8pp | 82.5%-38.5pp | 69.5%-25.5pp |
| Annual return | 11.75% | 28.10%-16.4pp | 102.85%-91.1pp | 25.83%-14.1pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $12,419 | $6,322+96.4% | $7,759+60.1% | $4,194+196.1% |
| Admin fee / account holder | $35,353 | $7,838+351.1% | $13,620+159.6% | $7,856+350.0% |