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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 | $188,073 | $88,672+112.1% | $105,223+78.7% | $82,448+128.1% |
| Participation rate | 48.0% | 67.9%-19.9pp | 75.0%-27.0pp | 68.1%-20.1pp |
| Annual return | 12.17% | 30.86%-18.7pp | 180.65%-168.5pp | 41.64%-29.5pp |
| Employer contribution / active EE | $400 | $3,048-86.9% | $3,689-89.2% | $2,551-84.3% |
| Participant deferral / active EE | $2,798 | $4,036-30.7% | $5,072-44.8% | $4,139-32.4% |
| Admin fee / account holder | $3,743 | $7,146-47.6% | $8,859-57.7% | $7,234-48.3% |