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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 | $89,259+167.5% | $107,187+122.8% | $82,637+188.9% |
| Participation rate | 31.3% | 67.9%-36.7pp | 75.0%-43.8pp | 68.1%-36.8pp |
| Annual return | 10.57% | 21.02%-10.5pp | 204.55%-194.0pp | 53.51%-42.9pp |
| Employer contribution / active EE | $569 | $3,080-81.5% | $3,782-85.0% | $2,552-77.7% |
| Participant deferral / active EE | $3,159 | $4,037-21.8% | $5,096-38.0% | $4,126-23.4% |
| Admin fee / account holder | $14,976 | $7,381+102.9% | $9,162+63.5% | $7,339+104.1% |