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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 | $120,522 | $77,901+54.7% | $149,717-19.5% | $75,181+60.3% |
| Participation rate | 15.4% | 65.6%-50.2pp | 78.8%-63.4pp | 67.2%-51.8pp |
| Annual return | 8.51% | 31.73%-23.2pp | 134.41%-125.9pp | 160.69%-152.2pp |
| Employer contribution / active EE | $288 | $3,137-90.8% | $4,820-94.0% | $2,671-89.2% |
| Participant deferral / active EE | $1,801 | $3,411-47.2% | $5,682-68.3% | $4,126-56.4% |
| Admin fee / account holder | $694 | $5,949-88.3% | $13,213-94.8% | $5,650-87.7% |