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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 | $128,718 | $59,467+116.5% | $93,727+37.3% | $74,478+72.8% |
| Participation rate | 42.0% | 59.6%-17.6pp | 68.7%-26.7pp | 67.2%-25.2pp |
| Annual return | 10.10% | 82.14%-72.0pp | 133.83%-123.7pp | 1370.56%-1360.5pp |
| Employer contribution / active EE | $148 | $1,267-88.3% | $2,421-93.9% | $2,626-94.4% |
| Participant deferral / active EE | $3,314 | $3,052+8.6% | $4,417-25.0% | $4,350-23.8% |
| Admin fee / account holder | $34,085 | $3,028+1025.5% | $8,292+311.1% | $1,946+1651.7% |