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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 | $183,627-16.1% | $155,602-1.0% | $145,978+5.5% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 6.80% | 61.32%-54.5pp | 64.81%-58.0pp | 550.52%-543.7pp |
| Employer contribution / active EE | $941 | $5,316-82.3% | $4,675-79.9% | $4,662-79.8% |
| Participant deferral / active EE | $6,205 | $6,466-4.0% | $5,629+10.2% | $6,690-7.2% |
| Admin fee / account holder | $2,325 | $19,327-88.0% | $15,923-85.4% | $13,400-82.6% |