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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 | $241,255 | $106,524+126.5% | $152,301+58.4% | $87,485+175.8% |
| Participation rate | 26.9% | 75.8%-48.8pp | 82.4%-55.5pp | 68.9%-42.0pp |
| Annual return | 10.73% | 26.89%-16.2pp | 80.50%-69.8pp | 26.06%-15.3pp |
| Employer contribution / active EE | $455 | $3,371-86.5% | $4,624-90.2% | $2,596-82.5% |
| Participant deferral / active EE | $3,556 | $6,525-45.5% | $8,004-55.6% | $4,274-16.8% |
| Admin fee / account holder | $13,293 | $8,287+60.4% | $14,398-7.7% | $7,775+71.0% |