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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 | $170,270 | $102,422+66.2% | $147,117+15.7% | $80,959+110.3% |
| Participation rate | 31.3% | 75.9%-44.6pp | 82.2%-50.9pp | 67.7%-36.4pp |
| Annual return | 11.20% | 135.16%-124.0pp | 420.54%-409.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $851 | $3,717-77.1% | $4,932-82.8% | $2,757-69.1% |
| Participant deferral / active EE | $2,658 | $6,652-60.0% | $8,065-67.0% | $4,300-38.2% |
| Admin fee / account holder | $2,140 | $7,953-73.1% | $12,993-83.5% | $6,925-69.1% |