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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 | $143,613 | $165,361-13.2% | $149,715-4.1% | $158,950-9.6% |
| Participation rate | 57.1% | 84.6%-27.4pp | 82.5%-25.3pp | 82.0%-24.8pp |
| Annual return | 8.05% | 348.24%-340.2pp | 276.66%-268.6pp | 302.91%-294.9pp |
| Employer contribution / active EE | $668 | $5,103-86.9% | $4,645-85.6% | $4,762-86.0% |
| Participant deferral / active EE | $7,086 | $7,182-1.3% | $6,842+3.6% | $5,983+18.4% |
| Admin fee / account holder | $1,517 | $10,808-86.0% | $9,310-83.7% | $11,248-86.5% |