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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 | $190,565 | $172,111+10.7% | $150,298+26.8% | $137,256+38.8% |
| Participation rate | 5.3% | 81.7%-76.5pp | 77.8%-72.5pp | 80.0%-74.7pp |
| Annual return | 8.78% | 69.37%-60.6pp | 62.79%-54.0pp | 220.34%-211.6pp |
| Employer contribution / active EE | $710 | $4,636-84.7% | $4,154-82.9% | $4,156-82.9% |
| Participant deferral / active EE | $1,699 | $6,166-72.4% | $5,453-68.8% | $6,407-73.5% |
| Admin fee / account holder | $5,385 | $16,471-67.3% | $14,116-61.9% | $12,270-56.1% |