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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 | $48,406 | $160,070-69.8% | $147,117-67.1% | $145,897-66.8% |
| Participation rate | 20.0% | 84.0%-64.0pp | 82.2%-62.2pp | 80.3%-60.3pp |
| Annual return | 8.25% | 98.69%-90.4pp | 420.54%-412.3pp | 552.29%-544.0pp |
| Employer contribution / active EE | $606 | $5,285-88.5% | $4,932-87.7% | $4,663-87.0% |
| Participant deferral / active EE | $3,484 | $8,419-58.6% | $8,065-56.8% | $6,689-47.9% |
| Admin fee / account holder | $7,565 | $15,035-49.7% | $12,993-41.8% | $13,390-43.5% |