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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 | $124,792 | $56,121+122.4% | $92,985+34.2% | $64,340+94.0% |
| Participation rate | 19.2% | 44.9%-25.7pp | 69.5%-50.3pp | 55.2%-36.0pp |
| Annual return | 10.33% | 19.19%-8.9pp | 27.99%-17.7pp | 24.14%-13.8pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,662-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,341 | $2,362-43.2% | $4,377-69.4% | $2,980-55.0% |
| Admin fee / account holder | $12,861 | $6,869+87.2% | $9,463+35.9% | $3,703+247.3% |