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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 | $133,041 | $75,541+76.1% | $152,093-12.5% | $82,637+61.0% |
| Participation rate | 67.5% | 66.5%+1.0pp | 77.8%-10.3pp | 68.1%-0.6pp |
| Annual return | 11.97% | 32.56%-20.6pp | 66.36%-54.4pp | 53.51%-41.5pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $5,259 | $3,206+64.1% | $5,451-3.5% | $4,126+27.5% |
| Admin fee / account holder | $2,480 | $6,405-61.3% | $14,497-82.9% | $7,339-66.2% |