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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 | $58,275+196.7% | $81,844+111.2% | $80,935+113.6% |
| Participation rate | 22.2% | 63.5%-41.2pp | 72.4%-50.2pp | 67.7%-45.4pp |
| Annual return | 10.50% | 41.82%-31.3pp | 778.87%-768.4pp | 35.66%-25.2pp |
| Employer contribution / active EE | $111 | $2,346-95.3% | $2,916-96.2% | $2,757-96.0% |
| Participant deferral / active EE | $3,502 | $3,285+6.6% | $4,323-19.0% | $4,299-18.5% |
| Admin fee / account holder | $8,661 | $4,749+82.4% | $7,355+17.8% | $6,924+25.1% |