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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 | $29,077 | $185,312-84.3% | $161,489-82.0% | $154,746-81.2% |
| Participation rate | 37.5% | 82.5%-45.0pp | 78.7%-41.2pp | 80.7%-43.2pp |
| Annual return | 5.35% | 103.84%-98.5pp | 89.72%-84.4pp | 172.34%-167.0pp |
| Employer contribution / active EE | $855 | $4,769-82.1% | $4,268-80.0% | $4,379-80.5% |
| Participant deferral / active EE | $3,722 | $6,350-41.4% | $5,630-33.9% | $6,730-44.7% |
| Admin fee / account holder | $5,057 | $18,654-72.9% | $16,006-68.4% | $14,365-64.8% |