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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 | $139,762 | $100,003+39.8% | $146,685-4.7% | $85,856+62.8% |
| Participation rate | 41.2% | 73.1%-31.9pp | 80.1%-38.9pp | 69.3%-28.1pp |
| Annual return | 10.82% | 18.93%-8.1pp | 22.75%-11.9pp | 318.58%-307.8pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,064 | $4,006-23.5% | $5,507-44.4% | $3,952-22.5% |
| Admin fee / account holder | $891 | $7,704-88.4% | $10,281-91.3% | $6,261-85.8% |