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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 | $241,560 | $184,014+31.3% | $161,149+49.9% | $138,895+73.9% |
| Participation rate | 42.9% | 82.1%-39.2pp | 78.8%-36.0pp | 79.9%-37.1pp |
| Annual return | 6.03% | 21.52%-15.5pp | 21.16%-15.1pp | 145.39%-139.4pp |
| Employer contribution / active EE | $97 | $5,055-98.1% | $4,360-97.8% | $4,194-97.7% |
| Participant deferral / active EE | $4,282 | $6,909-38.0% | $6,153-30.4% | $6,396-33.1% |
| Admin fee / account holder | $370,127 | $18,027+1953.2% | $15,194+2335.9% | $12,562+2846.4% |