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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 | $144,154 | $29,667+385.9% | $56,441+155.4% | $80,874+78.2% |
| Participation rate | 9.3% | 41.7%-32.4pp | 52.5%-43.2pp | 67.6%-58.3pp |
| Annual return | 4.65% | 35.22%-30.6pp | 1704.21%-1699.6pp | 35.62%-31.0pp |
| Employer contribution / active EE | $63 | $669-90.6% | $1,039-93.9% | $2,756-97.7% |
| Participant deferral / active EE | $757 | $1,227-38.3% | $1,953-61.3% | $4,297-82.4% |
| Admin fee / account holder | $4,567 | $2,429+88.0% | $2,829+61.4% | $6,935-34.2% |