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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 | $85,986 | $43,075+99.6% | $74,577+15.3% | $62,881+36.7% |
| Participation rate | 45.2% | 58.1%-12.9pp | 68.1%-22.9pp | 69.3%-24.1pp |
| Annual return | 2.34% | 17.50%-15.2pp | 20.47%-18.1pp | 20.14%-17.8pp |
| Employer contribution / active EE | $0 | $1,498-100.0% | $2,525-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,811 | $2,389-24.2% | $3,458-47.6% | $3,203-43.5% |
| Admin fee / account holder | $2,975 | $2,840+4.8% | $4,138-28.1% | $4,296-30.7% |