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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 | $130,149 | $109,359+19.0% | $162,177-19.7% | $72,975+78.3% |
| Participation rate | 57.7% | 84.3%-26.6pp | 87.6%-29.9pp | 69.5%-11.8pp |
| Annual return | 17.32% | 25.46%-8.1pp | 115.60%-98.3pp | 81.01%-63.7pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,384 | $5,481-38.3% | $7,297-53.6% | $3,608-6.2% |
| Admin fee / account holder | $626 | $7,972-92.2% | $10,843-94.2% | $5,124-87.8% |