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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 | $153,671 | $88,672+73.3% | $105,223+46.0% | $82,448+86.4% |
| Participation rate | 56.4% | 67.9%-11.5pp | 75.0%-18.6pp | 68.1%-11.7pp |
| Annual return | 11.40% | 30.86%-19.5pp | 180.65%-169.2pp | 41.64%-30.2pp |
| Employer contribution / active EE | $377 | $3,048-87.6% | $3,689-89.8% | $2,551-85.2% |
| Participant deferral / active EE | $3,686 | $4,036-8.7% | $5,072-27.3% | $4,139-11.0% |
| Admin fee / account holder | $2,385 | $7,146-66.6% | $8,859-73.1% | $7,234-67.0% |