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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 | $79,224 | $183,592-56.8% | $155,574-49.1% | $145,877-45.7% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 8.05% | 61.37%-53.3pp | 64.87%-56.8pp | 551.28%-543.2pp |
| Employer contribution / active EE | $752 | $5,317-85.8% | $4,676-83.9% | $4,663-83.9% |
| Participant deferral / active EE | $2,341 | $6,466-63.8% | $5,629-58.4% | $6,691-65.0% |
| Admin fee / account holder | $588 | $19,316-97.0% | $15,914-96.3% | $13,402-95.6% |