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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 | $122,311 | $172,111-28.9% | $150,298-18.6% | $137,256-10.9% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 11.25% | 69.37%-58.1pp | 62.79%-51.5pp | 220.34%-209.1pp |
| Employer contribution / active EE | $712 | $4,636-84.6% | $4,154-82.9% | $4,156-82.9% |
| Participant deferral / active EE | $7,711 | $6,166+25.1% | $5,453+41.4% | $6,407+20.4% |
| Admin fee / account holder | $1,986 | $16,471-87.9% | $14,116-85.9% | $12,270-83.8% |