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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 | $164,151 | $85,094+92.9% | $76,327+115.1% | $145,884+12.5% |
| Participation rate | 54.5% | 82.9%-28.3pp | 79.2%-24.7pp | 80.3%-25.8pp |
| Annual return | 9.72% | 13.13%-3.4pp | 13.79%-4.1pp | 551.85%-542.1pp |
| Employer contribution / active EE | $1,167 | $5,261-77.8% | $4,584-74.5% | $4,662-75.0% |
| Participant deferral / active EE | $4,281 | $6,390-33.0% | $5,478-21.8% | $6,690-36.0% |
| Admin fee / account holder | $1,935 | $5,773-66.5% | $5,139-62.4% | $13,392-85.6% |