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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 | $154,024 | $183,592-16.1% | $155,574-1.0% | $145,877+5.6% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.80% | 61.37%-54.6pp | 64.87%-58.1pp | 551.28%-544.5pp |
| Employer contribution / active EE | $941 | $5,317-82.3% | $4,676-79.9% | $4,663-79.8% |
| Participant deferral / active EE | $6,205 | $6,466-4.0% | $5,629+10.2% | $6,691-7.3% |
| Admin fee / account holder | $2,325 | $19,316-88.0% | $15,914-85.4% | $13,402-82.7% |