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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 | $238,778 | $93,345+155.8% | $119,126+100.4% | $87,485+172.9% |
| Participation rate | 31.3% | 68.7%-37.5pp | 75.8%-44.5pp | 68.9%-37.7pp |
| Annual return | 10.57% | 19.08%-8.5pp | 282.11%-271.5pp | 26.06%-15.5pp |
| Employer contribution / active EE | $569 | $3,172-82.1% | $4,034-85.9% | $2,596-78.1% |
| Participant deferral / active EE | $3,159 | $4,099-22.9% | $5,318-40.6% | $4,274-26.1% |
| Admin fee / account holder | $14,976 | $8,039+86.3% | $10,693+40.1% | $7,775+92.6% |