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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 | $212,386-34.6% | $199,883-30.5% | $138,895+0.1% |
| Participation rate | 28.6% | 87.4%-58.8pp | 86.8%-58.2pp | 79.9%-51.3pp |
| Annual return | 10.34% | 47.75%-37.4pp | 43.81%-33.5pp | 145.39%-135.1pp |
| Employer contribution / active EE | $638 | $6,625-90.4% | $6,261-89.8% | $4,194-84.8% |
| Participant deferral / active EE | $6,714 | $9,617-30.2% | $9,138-26.5% | $6,396+5.0% |
| Admin fee / account holder | $511 | $18,233-97.2% | $17,268-97.0% | $12,562-95.9% |