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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 | $118,134 | $81,504+44.9% | $102,437+15.3% | $80,959+45.9% |
| Participation rate | 32.1% | 66.9%-34.7pp | 74.5%-42.4pp | 67.7%-35.5pp |
| Annual return | 9.29% | 25.60%-16.3pp | 24.95%-15.7pp | 35.67%-26.4pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,559 | $3,871+17.8% | $5,060-9.9% | $4,300+6.0% |
| Admin fee / account holder | $10,203 | $6,719+51.8% | $8,388+21.6% | $6,925+47.3% |