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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 | $198,589 | $66,402+199.1% | $109,895+80.7% | $85,856+131.3% |
| Participation rate | 32.0% | 63.9%-31.9pp | 74.2%-42.2pp | 69.3%-37.3pp |
| Annual return | 10.33% | 19.59%-9.3pp | 29.46%-19.1pp | 318.58%-308.3pp |
| Employer contribution / active EE | $185 | $1,687-89.0% | $2,843-93.5% | $2,565-92.8% |
| Participant deferral / active EE | $1,467 | $2,842-48.4% | $4,049-63.8% | $3,952-62.9% |
| Admin fee / account holder | $24,735 | $4,557+442.8% | $6,067+307.7% | $6,261+295.1% |