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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 | $147,159 | $98,776+49.0% | $149,745-1.7% | $79,856+84.3% |
| Participation rate | 33.3% | 75.8%-42.5pp | 82.5%-49.1pp | 69.6%-36.3pp |
| Annual return | 11.76% | 27.38%-15.6pp | 276.72%-265.0pp | 31.71%-20.0pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,526 | $5,681-37.9% | $6,843-48.5% | $3,741-5.7% |
| Admin fee / account holder | $6,350 | $6,053+4.9% | $9,312-31.8% | $5,306+19.7% |