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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 | $173,253 | $172,111+0.7% | $150,298+15.3% | $137,256+26.2% |
| Participation rate | 14.3% | 81.7%-67.4pp | 77.8%-63.5pp | 80.0%-65.7pp |
| Annual return | -1.40% | 69.37%-70.8pp | 62.79%-64.2pp | 220.34%-221.7pp |
| Employer contribution / active EE | $269 | $4,636-94.2% | $4,154-93.5% | $4,156-93.5% |
| Participant deferral / active EE | $3,475 | $6,166-43.6% | $5,453-36.3% | $6,407-45.8% |
| Admin fee / account holder | $1,008 | $16,471-93.9% | $14,116-92.9% | $12,270-91.8% |