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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 | $181,821 | $148,582+22.4% | $135,942+33.7% | $139,456+30.4% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 11.63% | 79.26%-67.6pp | 68.28%-56.7pp | 373.45%-361.8pp |
| Employer contribution / active EE | $595 | $5,245-88.7% | $4,858-87.7% | $4,753-87.5% |
| Participant deferral / active EE | $8,078 | $8,101-0.3% | $7,759+4.1% | $6,711+20.4% |
| Admin fee / account holder | $26,542 | $12,402+114.0% | $10,764+146.6% | $11,407+132.7% |