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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 | $172,875 | $58,234+196.9% | $81,783+111.4% | $80,874+113.8% |
| Participation rate | 22.2% | 63.4%-41.2pp | 72.4%-50.1pp | 67.6%-45.4pp |
| Annual return | 10.50% | 41.70%-31.2pp | 775.05%-764.6pp | 35.62%-25.1pp |
| Employer contribution / active EE | $111 | $2,341-95.3% | $2,913-96.2% | $2,756-96.0% |
| Participant deferral / active EE | $3,502 | $3,283+6.7% | $4,320-18.9% | $4,297-18.5% |
| Admin fee / account holder | $8,661 | $4,982+73.9% | $7,380+17.4% | $6,935+24.9% |