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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 | $110,550 | $106,524+3.8% | $152,301-27.4% | $87,485+26.4% |
| Participation rate | 42.2% | 75.8%-33.5pp | 82.4%-40.2pp | 68.9%-26.7pp |
| Annual return | 13.63% | 26.89%-13.3pp | 80.50%-66.9pp | 26.06%-12.4pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $4,151 | $6,525-36.4% | $8,004-48.1% | $4,274-2.9% |
| Admin fee / account holder | $2,382 | $8,287-71.3% | $14,398-83.5% | $7,775-69.4% |