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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 | $205,678 | $68,878+198.6% | $120,574+70.6% | $80,935+154.1% |
| Participation rate | 37.0% | 61.7%-24.6pp | 71.9%-34.9pp | 67.7%-30.6pp |
| Annual return | 9.23% | 23.67%-14.4pp | 107.42%-98.2pp | 35.66%-26.4pp |
| Employer contribution / active EE | $262 | $2,065-87.3% | $3,471-92.4% | $2,757-90.5% |
| Participant deferral / active EE | $2,623 | $3,189-17.7% | $4,996-47.5% | $4,299-39.0% |
| Admin fee / account holder | $4,893 | $5,782-15.4% | $9,445-48.2% | $6,924-29.3% |