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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 | $103,137 | $70,475+46.3% | $100,530+2.6% | $79,858+29.2% |
| Participation rate | 37.0% | 73.7%-36.6pp | 79.4%-42.4pp | 69.6%-32.6pp |
| Annual return | 7.00% | 21.90%-14.9pp | 30.89%-23.9pp | 31.72%-24.7pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,418-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,809 | $5,181-45.8% | $6,271-55.2% | $3,740-24.9% |
| Admin fee / account holder | $2,195 | $4,478-51.0% | $8,083-72.8% | $5,306-58.6% |