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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 | $201,324 | $167,504+20.2% | $151,628+32.8% | $134,509+49.7% |
| Participation rate | 40.0% | 88.4%-48.4pp | 87.5%-47.5pp | 81.2%-41.2pp |
| Annual return | -21.98% | 7.81%-29.8pp | 3.34%-25.3pp | 418.13%-440.1pp |
| Employer contribution / active EE | $341 | $6,828-95.0% | $6,165-94.5% | $4,741-92.8% |
| Participant deferral / active EE | $5,400 | $8,985-39.9% | $8,363-35.4% | $6,400-15.6% |
| Admin fee / account holder | $1,432 | $13,779-89.6% | $11,613-87.7% | $11,427-87.5% |