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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 | $163,512 | $102,429+59.6% | $147,096+11.2% | $80,925+102.1% |
| Participation rate | 54.1% | 75.9%-21.8pp | 82.2%-28.1pp | 67.7%-13.6pp |
| Annual return | 8.94% | 135.02%-126.1pp | 419.75%-410.8pp | 35.65%-26.7pp |
| Employer contribution / active EE | $811 | $3,716-78.2% | $4,936-83.6% | $2,756-70.6% |
| Participant deferral / active EE | $5,341 | $6,649-19.7% | $8,071-33.8% | $4,299+24.3% |
| Admin fee / account holder | $5,749 | $7,957-27.8% | $13,005-55.8% | $6,940-17.2% |