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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 | $167,395 | $184,000-9.0% | $162,185+3.2% | $152,909+9.5% |
| Participation rate | 66.7% | 88.5%-21.8pp | 87.6%-20.9pp | 82.5%-15.8pp |
| Annual return | 4.31% | 150.80%-146.5pp | 115.61%-111.3pp | 345.46%-341.2pp |
| Employer contribution / active EE | $667 | $6,370-89.5% | $5,613-88.1% | $4,764-86.0% |
| Participant deferral / active EE | $16,662 | $8,033+107.4% | $7,297+128.3% | $5,851+184.7% |
| Admin fee / account holder | $2,058 | $13,124-84.3% | $10,844-81.0% | $11,601-82.3% |