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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 | $163,874 | $181,062-9.5% | $158,223+3.6% | $155,188+5.6% |
| Participation rate | 33.3% | 82.7%-49.3pp | 79.2%-45.9pp | 80.8%-47.5pp |
| Annual return | 6.60% | 57.39%-50.8pp | 52.09%-45.5pp | 148.84%-142.2pp |
| Employer contribution / active EE | $124 | $4,565-97.3% | $4,109-97.0% | $4,248-97.1% |
| Participant deferral / active EE | $2,272 | $6,134-63.0% | $5,467-58.4% | $6,531-65.2% |
| Admin fee / account holder | $297,746 | $18,825+1481.7% | $16,047+1755.4% | $14,480+1956.3% |