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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 | $141,003 | $101,950+38.3% | $125,529+12.3% | $86,983+62.1% |
| Participation rate | 56.9% | 70.2%-13.3pp | 74.7%-17.9pp | 69.5%-12.7pp |
| Annual return | 11.27% | 18.29%-7.0pp | 202.56%-191.3pp | 25.83%-14.6pp |
| Employer contribution / active EE | $519 | $2,358-78.0% | $3,058-83.0% | $2,584-79.9% |
| Participant deferral / active EE | $3,212 | $3,862-16.8% | $4,813-33.2% | $4,194-23.4% |
| Admin fee / account holder | $1,628 | $12,791-87.3% | $16,298-90.0% | $7,856-79.3% |