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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 | $141,069 | $64,920+117.3% | $103,693+36.0% | $86,983+62.2% |
| Participation rate | 31.0% | 63.6%-32.6pp | 72.6%-41.6pp | 69.5%-38.5pp |
| Annual return | 11.02% | 30.29%-19.3pp | 47.61%-36.6pp | 25.83%-14.8pp |
| Employer contribution / active EE | $0 | $2,141-100.0% | $2,920-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,242 | $3,241-61.7% | $4,579-72.9% | $4,194-70.4% |
| Admin fee / account holder | $1,298 | $6,191-79.0% | $7,858-83.5% | $7,856-83.5% |