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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 | $113,020 | $29,051+289.0% | $52,425+115.6% | $67,986+66.2% |
| Participation rate | 16.0% | 30.4%-14.4pp | 55.6%-39.6pp | 57.2%-41.2pp |
| Annual return | 9.69% | 24.00%-14.3pp | 302.12%-292.4pp | 31.67%-22.0pp |
| Employer contribution / active EE | $28 | $412-93.2% | $914-96.9% | $2,019-98.6% |
| Participant deferral / active EE | $474 | $873-45.7% | $1,790-73.5% | $3,358-85.9% |
| Admin fee / account holder | $2,959 | $2,113+40.1% | $2,495+18.6% | $3,203-7.6% |