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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 | $94,712 | $78,707+20.3% | $117,861-19.6% | $70,126+35.1% |
| Participation rate | 20.3% | 73.2%-52.9pp | 79.7%-59.3pp | 69.5%-49.2pp |
| Annual return | 9.98% | 23.30%-13.3pp | 335.11%-325.1pp | 73.15%-63.2pp |
| Employer contribution / active EE | $339 | $2,223-84.8% | $3,786-91.1% | $2,343-85.5% |
| Participant deferral / active EE | $2,759 | $3,297-16.3% | $4,482-38.4% | $3,332-17.2% |
| Admin fee / account holder | $14,124 | $5,066+178.8% | $8,021+76.1% | $4,645+204.0% |