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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 | $160,657 | $80,985+98.4% | $96,576+66.4% | $75,181+113.7% |
| Participation rate | 68.0% | 71.8%-3.8pp | 76.0%-8.0pp | 67.2%+0.8pp |
| Annual return | 10.32% | 27.05%-16.7pp | 25.87%-15.6pp | 160.69%-150.4pp |
| Employer contribution / active EE | $560 | $2,282-75.5% | $2,965-81.1% | $2,671-79.0% |
| Participant deferral / active EE | $2,241 | $3,929-43.0% | $4,851-53.8% | $4,126-45.7% |
| Admin fee / account holder | $54,756 | $6,719+715.0% | $8,253+563.5% | $5,650+869.2% |