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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 | $34,874 | $159,934-78.2% | $147,005-76.3% | $145,959-76.1% |
| Participation rate | 36.4% | 84.0%-47.6pp | 82.2%-45.8pp | 80.3%-43.9pp |
| Annual return | 5.27% | 98.24%-93.0pp | 418.76%-413.5pp | 561.95%-556.7pp |
| Employer contribution / active EE | $125 | $5,287-97.6% | $4,934-97.5% | $4,661-97.3% |
| Participant deferral / active EE | $2,804 | $8,427-66.7% | $8,070-65.3% | $6,689-58.1% |
| Admin fee / account holder | $7,983 | $15,053-47.0% | $13,006-38.6% | $13,398-40.4% |