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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 | $90,397 | $114,712-21.2% | $173,730-48.0% | $87,485+3.3% |
| Participation rate | 54.5% | 73.0%-18.4pp | 79.6%-25.0pp | 68.9%-14.4pp |
| Annual return | 8.42% | 20.18%-11.8pp | 19.96%-11.5pp | 26.06%-17.6pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,964 | $4,642-36.1% | $6,326-53.1% | $4,274-30.6% |
| Admin fee / account holder | $8,167 | $10,210-20.0% | $17,523-53.4% | $7,775+5.0% |