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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 | $158,868 | $70,366+125.8% | $66,674+138.3% | $138,895+14.4% |
| Participation rate | 40.0% | 76.2%-36.2pp | 73.7%-33.7pp | 79.9%-39.9pp |
| Annual return | 13.03% | 386.41%-373.4pp | 321.24%-308.2pp | 145.39%-132.4pp |
| Employer contribution / active EE | $342 | $2,765-87.6% | $2,620-87.0% | $4,194-91.8% |
| Participant deferral / active EE | $10,420 | $4,374+138.2% | $4,084+155.1% | $6,396+62.9% |
| Admin fee / account holder | $3,086 | $5,262-41.4% | $5,098-39.5% | $12,562-75.4% |