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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 | $125,922 | $110,212+14.3% | $96,534+30.4% | $139,466-9.7% |
| Participation rate | 35.3% | 78.1%-42.8pp | 76.0%-40.7pp | 80.3%-45.0pp |
| Annual return | 7.55% | 26.42%-18.9pp | 25.88%-18.3pp | 373.66%-366.1pp |
| Employer contribution / active EE | $0 | $3,620-100.0% | $2,965-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,115 | $5,547-61.9% | $4,851-56.4% | $6,712-68.5% |
| Admin fee / account holder | $10,294 | $11,599-11.2% | $8,253+24.7% | $11,409-9.8% |