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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 | $174,232 | $110,410+57.8% | $102,437+70.1% | $145,897+19.4% |
| Participation rate | 63.6% | 77.9%-14.3pp | 74.5%-10.9pp | 80.3%-16.7pp |
| Annual return | 8.13% | 24.85%-16.7pp | 24.95%-16.8pp | 552.29%-544.2pp |
| Employer contribution / active EE | $828 | $4,217-80.4% | $3,871-78.6% | $4,663-82.2% |
| Participant deferral / active EE | $5,142 | $5,622-8.5% | $5,060+1.6% | $6,689-23.1% |
| Admin fee / account holder | $3,341 | $9,745-65.7% | $8,388-60.2% | $13,390-75.0% |