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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 | $105,322 | $60,349+74.5% | $74,184+42.0% | $62,881+67.5% |
| Participation rate | 53.1% | 72.7%-19.7pp | 76.6%-23.6pp | 69.3%-16.2pp |
| Annual return | 3.15% | 21.38%-18.2pp | 17.74%-14.6pp | 20.14%-17.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $4,624 | $2,856+61.9% | $3,550+30.3% | $3,203+44.4% |
| Admin fee / account holder | $7,277 | $4,261+70.8% | $5,586+30.3% | $4,296+69.4% |