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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 | $182,743 | $98,776+85.0% | $149,745+22.0% | $79,856+128.8% |
| Participation rate | 32.4% | 75.8%-43.4pp | 82.5%-50.1pp | 69.6%-37.2pp |
| Annual return | 12.05% | 27.38%-15.3pp | 276.72%-264.7pp | 31.71%-19.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,431 | $5,681-22.0% | $6,843-35.2% | $3,741+18.5% |
| Admin fee / account holder | $819 | $6,053-86.5% | $9,312-91.2% | $5,306-84.6% |