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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 | $203,383 | $118,877+71.1% | $96,570+110.6% | $167,536+21.4% |
| Participation rate | 21.1% | 75.5%-54.4pp | 69.8%-48.8pp | 82.1%-61.1pp |
| Annual return | 3.55% | 50.50%-46.9pp | 37.79%-34.2pp | 478.82%-475.3pp |
| Employer contribution / active EE | $400 | $3,121-87.2% | $2,357-83.0% | $4,839-91.7% |
| Participant deferral / active EE | $2,143 | $4,617-53.6% | $3,849-44.3% | $6,342-66.2% |
| Admin fee / account holder | $28,847 | $8,069+257.5% | $6,182+366.6% | $12,315+134.3% |