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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 | $217,764 | $88,672+145.6% | $105,223+107.0% | $82,448+164.1% |
| Participation rate | 19.8% | 67.9%-48.2pp | 75.0%-55.3pp | 68.1%-48.3pp |
| Annual return | 9.07% | 30.86%-21.8pp | 180.65%-171.6pp | 41.64%-32.6pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,840 | $4,036-54.4% | $5,072-63.7% | $4,139-55.6% |
| Admin fee / account holder | $9,585 | $7,146+34.1% | $8,859+8.2% | $7,234+32.5% |