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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 | $173,794 | $78,690+120.9% | $161,489+7.6% | $87,485+98.7% |
| Participation rate | 16.2% | 67.5%-51.2pp | 78.7%-62.5pp | 68.9%-52.7pp |
| Annual return | 11.15% | 32.74%-21.6pp | 89.72%-78.6pp | 26.06%-14.9pp |
| Employer contribution / active EE | $154 | $2,588-94.0% | $4,268-96.4% | $2,596-94.1% |
| Participant deferral / active EE | $1,814 | $3,311-45.2% | $5,630-67.8% | $4,274-57.6% |
| Admin fee / account holder | $3,758 | $6,724-44.1% | $16,006-76.5% | $7,775-51.7% |