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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 | $240,921 | $48,053+401.4% | $84,628+184.7% | $72,975+230.1% |
| Participation rate | 7.3% | 57.6%-50.3pp | 68.2%-61.0pp | 69.5%-62.2pp |
| Annual return | 15.90% | 37.39%-21.5pp | 258.80%-242.9pp | 81.01%-65.1pp |
| Employer contribution / active EE | $125 | $1,602-92.2% | $2,653-95.3% | $2,440-94.9% |
| Participant deferral / active EE | $1,133 | $2,681-57.7% | $3,900-70.9% | $3,608-68.6% |
| Admin fee / account holder | $2,215 | $3,395-34.8% | $4,914-54.9% | $5,124-56.8% |