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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 | $149,397 | $148,629+0.5% | $135,982+9.9% | $139,487+7.1% |
| Participation rate | 41.7% | 83.9%-42.2pp | 81.9%-40.3pp | 80.3%-38.7pp |
| Annual return | 9.57% | 79.33%-69.8pp | 68.32%-58.8pp | 373.84%-364.3pp |
| Employer contribution / active EE | $993 | $5,247-81.1% | $4,859-79.6% | $4,755-79.1% |
| Participant deferral / active EE | $3,396 | $8,102-58.1% | $7,760-56.2% | $6,713-49.4% |
| Admin fee / account holder | $1,052 | $12,406-91.5% | $10,767-90.2% | $11,407-90.8% |