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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 | $77,988 | $63,861+22.1% | $104,614-25.5% | $79,858-2.3% |
| Participation rate | 55.2% | 64.9%-9.7pp | 74.1%-18.9pp | 69.6%-14.5pp |
| Annual return | 7.81% | 21.30%-13.5pp | 340.56%-332.8pp | 31.72%-23.9pp |
| Employer contribution / active EE | $0 | $1,588-100.0% | $2,681-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,375 | $2,693+62.4% | $3,739+17.0% | $3,740+17.0% |
| Admin fee / account holder | $2,747 | $4,185-34.4% | $6,464-57.5% | $5,306-48.2% |