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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 | $142,248 | $154,159-7.7% | $130,026+9.4% | $139,456+2.0% |
| Participation rate | 55.6% | 82.0%-26.4pp | 78.5%-22.9pp | 80.3%-24.8pp |
| Annual return | 7.24% | 32.50%-25.3pp | -137.26%+144.5pp | 373.45%-366.2pp |
| Employer contribution / active EE | $1 | $5,292-100.0% | $4,321-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $7,477 | $6,710+11.4% | $5,821+28.5% | $6,711+11.4% |
| Admin fee / account holder | $9,473 | $14,001-32.3% | $10,608-10.7% | $11,407-17.0% |