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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 | $228,832 | $201,344+13.7% | $184,243+24.2% | $145,877+56.9% |
| Participation rate | 68.8% | 87.5%-18.7pp | 86.8%-18.1pp | 80.3%-11.6pp |
| Annual return | 8.68% | 29.01%-20.3pp | 28.82%-20.1pp | 551.28%-542.6pp |
| Employer contribution / active EE | $983 | $7,022-86.0% | $6,427-84.7% | $4,663-78.9% |
| Participant deferral / active EE | $4,904 | $9,807-50.0% | $9,132-46.3% | $6,691-26.7% |
| Admin fee / account holder | $1,479 | $16,382-91.0% | $13,914-89.4% | $13,402-89.0% |