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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 | $221,338 | $81,233+172.5% | $155,567+42.3% | $80,874+173.7% |
| Participation rate | 63.3% | 66.2%-2.9pp | 78.2%-14.9pp | 67.6%-4.3pp |
| Annual return | 8.30% | 33.33%-25.0pp | 64.74%-56.4pp | 35.62%-27.3pp |
| Employer contribution / active EE | $0 | $3,101-100.0% | $4,674-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,469 | $3,452-28.5% | $5,628-56.1% | $4,297-42.5% |
| Admin fee / account holder | $2,529 | $7,998-68.4% | $15,916-84.1% | $6,935-63.5% |