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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 | $135,487 | $76,834+76.3% | $108,359+25.0% | $87,485+54.9% |
| Participation rate | 29.4% | 61.7%-32.3pp | 70.1%-40.7pp | 68.9%-39.5pp |
| Annual return | 10.76% | 19.09%-8.3pp | 36.89%-26.1pp | 26.06%-15.3pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,782 | $3,100-10.2% | $4,137-32.7% | $4,274-34.9% |
| Admin fee / account holder | $6,925 | $6,537+5.9% | $9,741-28.9% | $7,775-10.9% |