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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 | $176,236 | $78,428+124.7% | $95,960+83.7% | $79,852+120.7% |
| Participation rate | 33.3% | 73.5%-40.2pp | 77.1%-43.7pp | 69.6%-36.3pp |
| Annual return | 9.48% | 19.37%-9.9pp | 91.63%-82.2pp | 31.72%-22.2pp |
| Employer contribution / active EE | $452 | $1,945-76.8% | $2,541-82.2% | $2,471-81.7% |
| Participant deferral / active EE | $2,822 | $3,440-18.0% | $4,167-32.3% | $3,740-24.6% |
| Admin fee / account holder | $26,143 | $5,622+365.0% | $6,797+284.6% | $5,306+392.7% |