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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 | $91,750 | $99,875-8.1% | $146,866-37.5% | $86,983+5.5% |
| Participation rate | 62.2% | 75.8%-13.6pp | 82.5%-20.3pp | 69.5%-7.3pp |
| Annual return | 12.57% | 28.10%-15.5pp | 102.85%-90.3pp | 25.83%-13.3pp |
| Employer contribution / active EE | $0 | $3,224-100.0% | $4,425-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $3,620 | $6,322-42.8% | $7,759-53.4% | $4,194-13.7% |
| Admin fee / account holder | $9,777 | $7,838+24.7% | $13,620-28.2% | $7,856+24.5% |