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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 | $207,062 | $100,805+105.4% | $86,698+138.8% | $134,532+53.9% |
| Participation rate | 36.4% | 79.0%-42.6pp | 76.6%-40.2pp | 81.2%-44.9pp |
| Annual return | -20.44% | 29.09%-49.5pp | 35.95%-56.4pp | 418.27%-438.7pp |
| Employer contribution / active EE | $619 | $3,490-82.3% | $2,837-78.2% | $4,741-87.0% |
| Participant deferral / active EE | $2,569 | $5,339-51.9% | $4,656-44.8% | $6,401-59.9% |
| Admin fee / account holder | $11,463 | $10,925+4.9% | $7,493+53.0% | $11,429+0.3% |