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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 | $193,149 | $99,994+93.2% | $146,643+31.7% | $85,847+125.0% |
| Participation rate | 48.1% | 73.1%-24.9pp | 80.1%-31.9pp | 69.3%-21.2pp |
| Annual return | 9.14% | 18.93%-9.8pp | 22.75%-13.6pp | 318.61%-309.5pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $7,270 | $4,006+81.5% | $5,506+32.0% | $3,952+84.0% |
| Admin fee / account holder | $11,393 | $7,703+47.9% | $10,280+10.8% | $6,261+82.0% |