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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 | $212,803 | $201,370+5.7% | $184,256+15.5% | $145,897+45.9% |
| Participation rate | 33.3% | 87.5%-54.2pp | 86.8%-53.5pp | 80.3%-47.0pp |
| Annual return | 6.95% | 29.05%-22.1pp | 28.85%-21.9pp | 552.29%-545.3pp |
| Employer contribution / active EE | $1,120 | $7,024-84.1% | $6,427-82.6% | $4,663-76.0% |
| Participant deferral / active EE | $7,667 | $9,808-21.8% | $9,133-16.1% | $6,689+14.6% |
| Admin fee / account holder | $1,147 | $16,364-93.0% | $13,899-91.7% | $13,390-91.4% |