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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 | $190,256 | $107,733+76.6% | $92,985+104.6% | $154,746+22.9% |
| Participation rate | 57.1% | 74.6%-17.4pp | 69.5%-12.3pp | 80.7%-23.6pp |
| Annual return | 4.59% | 30.39%-25.8pp | 27.99%-23.4pp | 172.34%-167.7pp |
| Employer contribution / active EE | $0 | $3,126-100.0% | $2,662-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $6,697 | $5,053+32.5% | $4,377+53.0% | $6,730-0.5% |
| Admin fee / account holder | $15,484 | $11,369+36.2% | $9,463+63.6% | $14,365+7.8% |