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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 | $130,370 | $60,442+115.7% | $96,754+34.7% | $87,485+49.0% |
| Participation rate | 69.2% | 58.7%+10.5pp | 70.3%-1.0pp | 68.9%+0.3pp |
| Annual return | 11.74% | 21.97%-10.2pp | 82.04%-70.3pp | 26.06%-14.3pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,753 | $3,280-16.1% | $4,758-42.1% | $4,274-35.6% |
| Admin fee / account holder | $49,556 | $5,069+877.6% | $8,905+456.5% | $7,775+537.4% |