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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 | $146,044 | $111,830+30.6% | $93,696+55.9% | $145,884+0.1% |
| Participation rate | 21.4% | 74.2%-52.8pp | 68.7%-47.3pp | 80.3%-58.9pp |
| Annual return | 4.41% | 204.08%-199.7pp | 133.74%-129.3pp | 551.85%-547.4pp |
| Employer contribution / active EE | $524 | $3,093-83.0% | $2,422-78.4% | $4,662-88.8% |
| Participant deferral / active EE | $6,003 | $4,920+22.0% | $4,417+35.9% | $6,690-10.3% |
| Admin fee / account holder | $1,609 | $10,249-84.3% | $8,287-80.6% | $13,392-88.0% |