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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 | $122,442 | $78,423+56.1% | $95,964+27.6% | $79,856+53.3% |
| Participation rate | 26.2% | 73.5%-47.3pp | 77.1%-50.9pp | 69.6%-43.4pp |
| Annual return | 9.91% | 19.37%-9.5pp | 91.64%-81.7pp | 31.71%-21.8pp |
| Employer contribution / active EE | $398 | $1,945-79.6% | $2,541-84.4% | $2,471-83.9% |
| Participant deferral / active EE | $1,694 | $3,440-50.8% | $4,167-59.3% | $3,741-54.7% |
| Admin fee / account holder | $32,305 | $5,622+474.6% | $6,797+375.3% | $5,306+508.8% |