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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 | $154,806 | $201,372-23.1% | $184,260-16.0% | $145,884+6.1% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 3.26% | 29.04%-25.8pp | 28.84%-25.6pp | 551.85%-548.6pp |
| Employer contribution / active EE | $1,097 | $7,024-84.4% | $6,427-82.9% | $4,662-76.5% |
| Participant deferral / active EE | $10,915 | $9,808+11.3% | $9,133+19.5% | $6,690+63.2% |
| Admin fee / account holder | $1,825 | $16,362-88.8% | $13,898-86.9% | $13,392-86.4% |