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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 | $155,027 | $93,345+66.1% | $119,126+30.1% | $87,485+77.2% |
| Participation rate | 66.7% | 68.7%-2.1pp | 75.8%-9.1pp | 68.9%-2.3pp |
| Annual return | 9.76% | 19.08%-9.3pp | 282.11%-272.4pp | 26.06%-16.3pp |
| Employer contribution / active EE | $509 | $3,172-84.0% | $4,034-87.4% | $2,596-80.4% |
| Participant deferral / active EE | $4,470 | $4,099+9.1% | $5,318-16.0% | $4,274+4.6% |
| Admin fee / account holder | $5,711 | $8,039-29.0% | $10,693-46.6% | $7,775-26.5% |