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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 | $188,737 | $183,592+2.8% | $155,574+21.3% | $145,877+29.4% |
| Participation rate | 20.0% | 82.7%-62.7pp | 78.2%-58.2pp | 80.3%-60.3pp |
| Annual return | 4.71% | 61.37%-56.7pp | 64.87%-60.2pp | 551.28%-546.6pp |
| Employer contribution / active EE | $689 | $5,317-87.0% | $4,676-85.3% | $4,663-85.2% |
| Participant deferral / active EE | $3,180 | $6,466-50.8% | $5,629-43.5% | $6,691-52.5% |
| Admin fee / account holder | $798 | $19,316-95.9% | $15,914-95.0% | $13,402-94.0% |