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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 | $93,456 | $78,705+18.7% | $117,860-20.7% | $70,124+33.3% |
| Participation rate | 41.9% | 73.2%-31.3pp | 79.7%-37.8pp | 69.5%-27.7pp |
| Annual return | 11.68% | 23.30%-11.6pp | 335.10%-323.4pp | 73.14%-61.5pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,821 | $3,297-44.8% | $4,482-59.4% | $3,332-45.4% |
| Admin fee / account holder | $5,096 | $5,065+0.6% | $8,021-36.5% | $4,645+9.7% |