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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 | $127,162 | $67,602+88.1% | $82,312+54.5% | $70,126+81.3% |
| Participation rate | 18.5% | 72.8%-54.3pp | 76.9%-58.4pp | 69.5%-51.1pp |
| Annual return | 12.10% | 21.57%-9.5pp | 25.88%-13.8pp | 73.15%-61.0pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,753 | $2,987-41.3% | $3,706-52.7% | $3,332-47.4% |
| Admin fee / account holder | $2,552 | $4,512-43.4% | $5,608-54.5% | $4,645-45.1% |