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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 | $139,004 | $209,336-33.6% | $197,124-29.5% | $137,256+1.3% |
| Participation rate | 28.6% | 87.3%-58.7pp | 86.7%-58.1pp | 80.0%-51.4pp |
| Annual return | 10.34% | 48.09%-37.8pp | 44.34%-34.0pp | 220.34%-210.0pp |
| Employer contribution / active EE | $638 | $6,591-90.3% | $6,227-89.8% | $4,156-84.7% |
| Participant deferral / active EE | $6,714 | $9,614-30.2% | $9,135-26.5% | $6,407+4.8% |
| Admin fee / account holder | $511 | $17,308-97.1% | $16,298-96.9% | $12,270-95.8% |