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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 | $144,606 | $90,400+60.0% | $186,193-22.3% | $87,485+65.3% |
| Participation rate | 36.6% | 66.2%-29.6pp | 77.1%-40.5pp | 68.9%-32.3pp |
| Annual return | 11.78% | 22.15%-10.4pp | 78.03%-66.3pp | 26.06%-14.3pp |
| Employer contribution / active EE | $0 | $2,170-100.0% | $3,918-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,161 | $4,330-50.1% | $6,513-66.8% | $4,274-49.4% |
| Admin fee / account holder | $3,345 | $8,673-61.4% | $11,058-69.7% | $7,775-57.0% |