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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 | $178,526 | $140,592+27.0% | $123,105+45.0% | $125,389+42.4% |
| Participation rate | 22.2% | 88.2%-66.0pp | 86.8%-64.6pp | 83.2%-61.0pp |
| Annual return | -19.00% | 16.80%-35.8pp | 13.22%-32.2pp | 282.24%-301.2pp |
| Employer contribution / active EE | $351 | $6,041-94.2% | $5,151-93.2% | $4,866-92.8% |
| Participant deferral / active EE | $5,000 | $6,980-28.4% | $6,229-19.7% | $5,352-6.6% |
| Admin fee / account holder | $3,443 | $11,198-69.3% | $9,014-61.8% | $9,541-63.9% |