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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 | $125,856 | $127,386-1.2% | $115,037+9.4% | $125,388+0.4% |
| Participation rate | 58.8% | 84.2%-25.3pp | 81.4%-22.5pp | 83.2%-24.4pp |
| Annual return | -3.48% | 31.28%-34.8pp | 26.14%-29.6pp | 282.24%-285.7pp |
| Employer contribution / active EE | $0 | $5,166-100.0% | $4,608-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $6,857 | $6,423+6.8% | $6,026+13.8% | $5,352+28.1% |
| Admin fee / account holder | $1,563 | $9,516-83.6% | $8,175-80.9% | $9,541-83.6% |