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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 | $124,614 | $57,541+116.6% | $95,728+30.2% | $75,181+65.8% |
| Participation rate | 10.0% | 62.5%-52.5pp | 72.3%-62.3pp | 67.2%-57.2pp |
| Annual return | 13.29% | 34.93%-21.6pp | 28.40%-15.1pp | 160.69%-147.4pp |
| Employer contribution / active EE | $58 | $1,808-96.8% | $2,835-98.0% | $2,671-97.8% |
| Participant deferral / active EE | $1,396 | $3,074-54.6% | $4,245-67.1% | $4,126-66.2% |
| Admin fee / account holder | $12,186 | $4,099+197.3% | $5,673+114.8% | $5,650+115.7% |