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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 | $38,947 | $111,535-65.1% | $105,223-63.0% | $137,256-71.6% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 80.0%-22.8pp |
| Annual return | 10.87% | 237.85%-227.0pp | 180.65%-169.8pp | 220.34%-209.5pp |
| Employer contribution / active EE | $727 | $3,939-81.5% | $3,689-80.3% | $4,156-82.5% |
| Participant deferral / active EE | $3,576 | $5,500-35.0% | $5,072-29.5% | $6,407-44.2% |
| Admin fee / account holder | $4,264 | $9,721-56.1% | $8,859-51.9% | $12,270-65.3% |