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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 | $190,013 | $115,814+64.1% | $101,275+87.6% | $158,982+19.5% |
| Participation rate | 31.8% | 79.4%-47.6pp | 75.8%-44.0pp | 82.0%-50.1pp |
| Annual return | 7.36% | 56.16%-48.8pp | 46.48%-39.1pp | 302.99%-295.6pp |
| Employer contribution / active EE | $552 | $4,176-86.8% | $3,660-84.9% | $4,763-88.4% |
| Participant deferral / active EE | $2,090 | $4,958-57.9% | $4,371-52.2% | $5,983-65.1% |
| Admin fee / account holder | $13,645 | $7,249+88.2% | $5,948+129.4% | $11,252+21.3% |