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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 | $171,855 | $75,541+127.5% | $152,093+13.0% | $82,637+108.0% |
| Participation rate | 69.7% | 66.5%+3.2pp | 77.8%-8.1pp | 68.1%+1.6pp |
| Annual return | 11.71% | 32.56%-20.8pp | 66.36%-54.6pp | 53.51%-41.8pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,839 | $3,206-42.6% | $5,451-66.3% | $4,126-55.4% |
| Admin fee / account holder | $10,642 | $6,405+66.2% | $14,497-26.6% | $7,339+45.0% |