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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 | $178,669 | $52,279+241.8% | $89,400+99.9% | $79,858+123.7% |
| Participation rate | 5.2% | 57.5%-52.4pp | 68.0%-62.8pp | 69.6%-64.5pp |
| Annual return | 4.33% | 22.16%-17.8pp | 245.64%-241.3pp | 31.72%-27.4pp |
| Employer contribution / active EE | $208 | $1,572-86.8% | $2,586-91.9% | $2,471-91.6% |
| Participant deferral / active EE | $942 | $2,740-65.6% | $3,890-75.8% | $3,740-74.8% |
| Admin fee / account holder | $16,695 | $3,356+397.4% | $4,882+242.0% | $5,306+214.6% |