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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 | $153,072 | $178,174-14.1% | $156,181-2.0% | $137,256+11.5% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.8%-28.8pp | 80.0%-30.0pp |
| Annual return | 7.14% | 84.19%-77.0pp | 64.87%-57.7pp | 220.34%-213.2pp |
| Employer contribution / active EE | $900 | $4,972-81.9% | $4,294-79.0% | $4,156-78.3% |
| Participant deferral / active EE | $3,000 | $6,888-56.4% | $6,132-51.1% | $6,407-53.2% |
| Admin fee / account holder | $13,257 | $17,404-23.8% | $14,586-9.1% | $12,270+8.0% |