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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 | $206,044 | $68,878+199.1% | $120,574+70.9% | $80,935+154.6% |
| Participation rate | 34.4% | 61.7%-27.3pp | 71.9%-37.6pp | 67.7%-33.3pp |
| Annual return | 8.28% | 23.67%-15.4pp | 107.42%-99.1pp | 35.66%-27.4pp |
| Employer contribution / active EE | $382 | $2,065-81.5% | $3,471-89.0% | $2,757-86.2% |
| Participant deferral / active EE | $1,527 | $3,189-52.1% | $4,996-69.4% | $4,299-64.5% |
| Admin fee / account holder | $7,146 | $5,782+23.6% | $9,445-24.3% | $6,924+3.2% |