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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 | $123,198 | $154,228-20.1% | $145,433-15.3% | $137,256-10.2% |
| Participation rate | 42.9% | 83.8%-40.9pp | 82.1%-39.3pp | 80.0%-37.1pp |
| Annual return | 12.37% | 74.59%-62.2pp | 66.58%-54.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $381 | $4,804-92.1% | $4,554-91.6% | $4,156-90.8% |
| Participant deferral / active EE | $2,717 | $8,216-66.9% | $7,897-65.6% | $6,407-57.6% |
| Admin fee / account holder | $6,019 | $14,344-58.0% | $13,129-54.2% | $12,270-50.9% |