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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 | $166,474 | $114,712+45.1% | $173,730-4.2% | $87,485+90.3% |
| Participation rate | 69.4% | 73.0%-3.6pp | 79.6%-10.2pp | 68.9%+0.5pp |
| Annual return | 9.59% | 20.18%-10.6pp | 19.96%-10.4pp | 26.06%-16.5pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,535 | $4,642-2.3% | $6,326-28.3% | $4,274+6.1% |
| Admin fee / account holder | $11,829 | $10,210+15.9% | $17,523-32.5% | $7,775+52.1% |