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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 | $106,072 | $77,901+36.2% | $149,717-29.2% | $75,181+41.1% |
| Participation rate | 42.5% | 65.6%-23.1pp | 78.8%-36.3pp | 67.2%-24.7pp |
| Annual return | 13.25% | 31.73%-18.5pp | 134.41%-121.2pp | 160.69%-147.4pp |
| Employer contribution / active EE | $207 | $3,137-93.4% | $4,820-95.7% | $2,671-92.3% |
| Participant deferral / active EE | $1,678 | $3,411-50.8% | $5,682-70.5% | $4,126-59.3% |
| Admin fee / account holder | $37,722 | $5,949+534.1% | $13,213+185.5% | $5,650+567.7% |