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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 | $150,378 | $183,592-18.1% | $155,567-3.3% | $145,959+3.0% |
| Participation rate | 33.3% | 82.7%-49.3pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 4.49% | 61.24%-56.7pp | 64.74%-60.2pp | 561.95%-557.5pp |
| Employer contribution / active EE | $719 | $5,315-86.5% | $4,674-84.6% | $4,661-84.6% |
| Participant deferral / active EE | $8,000 | $6,464+23.8% | $5,628+42.2% | $6,689+19.6% |
| Admin fee / account holder | $7,066 | $19,318-63.4% | $15,916-55.6% | $13,398-47.3% |