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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 | $193,461 | $61,755+213.3% | $97,161+99.1% | $80,911+139.1% |
| Participation rate | 7.7% | 63.5%-55.8pp | 72.7%-65.0pp | 67.6%-60.0pp |
| Annual return | 7.85% | -557.90%+565.8pp | 75.36%-67.5pp | 35.63%-27.8pp |
| Employer contribution / active EE | $63 | $1,835-96.6% | $2,723-97.7% | $2,756-97.7% |
| Participant deferral / active EE | $1,987 | $3,026-34.4% | $4,265-53.4% | $4,297-53.8% |
| Admin fee / account holder | $6,441 | $5,166+24.7% | $5,647+14.1% | $6,935-7.1% |