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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 | $146,893 | $98,776+48.7% | $149,745-1.9% | $79,856+83.9% |
| Participation rate | 68.9% | 75.8%-6.9pp | 82.5%-13.6pp | 69.6%-0.8pp |
| Annual return | 8.52% | 27.38%-18.9pp | 276.72%-268.2pp | 31.71%-23.2pp |
| Employer contribution / active EE | $502 | $3,217-84.4% | $4,646-89.2% | $2,471-79.7% |
| Participant deferral / active EE | $7,835 | $5,681+37.9% | $6,843+14.5% | $3,741+109.4% |
| Admin fee / account holder | $6,479 | $6,053+7.0% | $9,312-30.4% | $5,306+22.1% |