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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 | $174,296 | $57,590+202.6% | $86,233+102.1% | $82,448+111.4% |
| Participation rate | 6.1% | 57.9%-51.8pp | 69.0%-63.0pp | 68.1%-62.0pp |
| Annual return | 9.72% | 22.41%-12.7pp | 61.39%-51.7pp | 41.64%-31.9pp |
| Employer contribution / active EE | $187 | $1,655-88.7% | $2,504-92.5% | $2,551-92.7% |
| Participant deferral / active EE | $940 | $3,080-69.5% | $4,559-79.4% | $4,139-77.3% |
| Admin fee / account holder | $28,523 | $4,730+503.0% | $8,342+241.9% | $7,234+294.3% |