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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 | $156,755 | $95,406+64.3% | $185,849-15.7% | $85,847+82.6% |
| Participation rate | 35.1% | 68.8%-33.7pp | 81.7%-46.6pp | 69.3%-34.2pp |
| Annual return | 11.20% | 23.59%-12.4pp | 122.10%-110.9pp | 318.61%-307.4pp |
| Employer contribution / active EE | $151 | $3,314-95.5% | $5,169-97.1% | $2,565-94.1% |
| Participant deferral / active EE | $2,716 | $3,424-20.7% | $5,569-51.2% | $3,952-31.3% |
| Admin fee / account holder | $40,128 | $7,214+456.2% | $16,244+147.0% | $6,261+541.0% |