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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 | $133,601 | $111,814+19.5% | $103,374+29.2% | $145,959-8.5% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.7pp |
| Annual return | 7.58% | 24.77%-17.2pp | 24.89%-17.3pp | 561.95%-554.4pp |
| Employer contribution / active EE | $836 | $4,214-80.1% | $3,869-78.4% | $4,661-82.1% |
| Participant deferral / active EE | $1,713 | $5,618-69.5% | $5,058-66.1% | $6,689-74.4% |
| Admin fee / account holder | $22,737 | $9,754+133.1% | $8,394+170.9% | $13,398+69.7% |