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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 | $169,565 | $183,627-7.7% | $155,602+9.0% | $145,978+16.2% |
| Participation rate | 38.1% | 82.7%-44.6pp | 78.2%-40.1pp | 80.3%-42.2pp |
| Annual return | 8.27% | 61.32%-53.0pp | 64.81%-56.5pp | 550.52%-542.2pp |
| Employer contribution / active EE | $1,028 | $5,316-80.7% | $4,675-78.0% | $4,662-78.0% |
| Participant deferral / active EE | $4,404 | $6,466-31.9% | $5,629-21.8% | $6,690-34.2% |
| Admin fee / account holder | $12,407 | $19,327-35.8% | $15,923-22.1% | $13,400-7.4% |