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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 | $98,086 | $65,367+50.1% | $92,915+5.6% | $72,976+34.4% |
| Participation rate | 22.6% | 68.3%-45.7pp | 76.0%-53.4pp | 69.5%-46.9pp |
| Annual return | 7.27% | 42.11%-34.8pp | 109.45%-102.2pp | 81.02%-73.7pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,601 | $3,128-48.8% | $4,238-62.2% | $3,608-55.6% |
| Admin fee / account holder | $1,166 | $4,251-72.6% | $5,796-79.9% | $5,124-77.2% |