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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 | $104,147 | $63,354+64.4% | $94,105+10.7% | $82,637+26.0% |
| Participation rate | 38.8% | 63.8%-25.1pp | 71.9%-33.2pp | 68.1%-29.3pp |
| Annual return | 10.25% | 34.36%-24.1pp | 204.55%-194.3pp | 53.51%-43.3pp |
| Employer contribution / active EE | $196 | $1,760-88.9% | $2,504-92.2% | $2,552-92.3% |
| Participant deferral / active EE | $1,192 | $2,873-58.5% | $3,881-69.3% | $4,126-71.1% |
| Admin fee / account holder | $14,125 | $5,073+178.4% | $6,199+127.8% | $7,339+92.5% |