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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 | $124,863 | $71,215+75.3% | $93,696+33.3% | $80,935+54.3% |
| Participation rate | 51.4% | 60.4%-9.0pp | 68.7%-17.4pp | 67.7%-16.3pp |
| Annual return | 9.77% | 11.27%-1.5pp | 133.74%-124.0pp | 35.66%-25.9pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,252 | $4,037-69.0% | $4,417-71.6% | $4,299-70.9% |
| Admin fee / account holder | $2,236 | $6,958-67.9% | $8,287-73.0% | $6,924-67.7% |