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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 | $196,954 | $95,404+106.4% | $113,397+73.7% | $82,637+138.3% |
| Participation rate | 18.4% | 72.8%-54.4pp | 76.5%-58.1pp | 68.1%-49.6pp |
| Annual return | 11.68% | 19.08%-7.4pp | 23.20%-11.5pp | 53.51%-41.8pp |
| Employer contribution / active EE | $0 | $2,307-100.0% | $2,977-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,695 | $4,220-12.4% | $5,076-27.2% | $4,126-10.4% |
| Admin fee / account holder | $11,251 | $9,168+22.7% | $11,957-5.9% | $7,339+53.3% |