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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 | $88,695 | $86,298+2.8% | $111,308-20.3% | $85,847+3.3% |
| Participation rate | 53.5% | 73.3%-19.8pp | 77.3%-23.8pp | 69.3%-15.8pp |
| Annual return | 8.33% | 19.99%-11.7pp | 54.67%-46.3pp | 318.61%-310.3pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,885 | $3,641+6.7% | $4,487-13.4% | $3,952-1.7% |
| Admin fee / account holder | $2,150 | $8,189-73.7% | $7,965-73.0% | $6,261-65.7% |