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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 | $125,003 | $37,156+236.4% | $83,854+49.1% | $86,983+43.7% |
| Participation rate | 12.3% | 49.1%-36.8pp | 59.1%-46.8pp | 69.5%-57.3pp |
| Annual return | 12.88% | 29.88%-17.0pp | 31.39%-18.5pp | 25.83%-13.0pp |
| Employer contribution / active EE | $0 | $661-100.0% | $1,017-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,223 | $1,418-13.7% | $2,035-39.9% | $4,194-70.8% |
| Admin fee / account holder | $10,224 | $2,510+307.4% | $3,197+219.8% | $7,856+30.2% |