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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 | $170,842 | $93,589+82.5% | $135,942+25.7% | $75,181+127.2% |
| Participation rate | 67.7% | 75.2%-7.4pp | 81.9%-14.2pp | 67.2%+0.5pp |
| Annual return | 13.14% | 30.90%-17.8pp | 68.28%-55.1pp | 160.69%-147.5pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $15,948 | $6,405+149.0% | $7,759+105.5% | $4,126+286.5% |
| Admin fee / account holder | $1,286 | $6,977-81.6% | $10,764-88.1% | $5,650-77.2% |