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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 | $130,798 | $88,672+47.5% | $105,223+24.3% | $82,448+58.6% |
| Participation rate | 39.4% | 67.9%-28.5pp | 75.0%-35.6pp | 68.1%-28.6pp |
| Annual return | 10.96% | 30.86%-19.9pp | 180.65%-169.7pp | 41.64%-30.7pp |
| Employer contribution / active EE | $677 | $3,048-77.8% | $3,689-81.6% | $2,551-73.5% |
| Participant deferral / active EE | $2,961 | $4,036-26.6% | $5,072-41.6% | $4,139-28.5% |
| Admin fee / account holder | $12,184 | $7,146+70.5% | $8,859+37.5% | $7,234+68.4% |