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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 | $105,001 | $77,416+35.6% | $69,464+51.2% | $152,897-31.3% |
| Participation rate | 30.0% | 78.1%-48.1pp | 74.6%-44.6pp | 82.5%-52.5pp |
| Annual return | 1.74% | 39.08%-37.3pp | 28.98%-27.2pp | 345.43%-343.7pp |
| Employer contribution / active EE | $221 | $3,315-93.3% | $2,779-92.0% | $4,764-95.4% |
| Participant deferral / active EE | $2,681 | $4,413-39.3% | $3,536-24.2% | $5,851-54.2% |
| Admin fee / account holder | $2,171 | $6,208-65.0% | $3,840-43.5% | $11,599-81.3% |