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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 | $166,966 | $81,504+104.9% | $102,437+63.0% | $80,959+106.2% |
| Participation rate | 28.3% | 66.9%-38.6pp | 74.5%-46.2pp | 67.7%-39.4pp |
| Annual return | 9.39% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,943 | $3,871+1.9% | $5,060-22.1% | $4,300-8.3% |
| Admin fee / account holder | $9,593 | $6,719+42.8% | $8,388+14.4% | $6,925+38.5% |