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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 | $223,864 | $101,795+119.9% | $165,100+35.6% | $80,959+176.5% |
| Participation rate | 55.3% | 71.8%-16.6pp | 78.6%-23.4pp | 67.7%-12.4pp |
| Annual return | 10.34% | 16.73%-6.4pp | 70.21%-59.9pp | 35.67%-25.3pp |
| Employer contribution / active EE | $622 | $2,954-78.9% | $4,348-85.7% | $2,757-77.4% |
| Participant deferral / active EE | $3,086 | $4,476-31.0% | $6,035-48.9% | $4,300-28.2% |
| Admin fee / account holder | $9,296 | $8,221+13.1% | $12,696-26.8% | $6,925+34.2% |