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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 | $99,098 | $223,823-55.7% | $211,142-53.1% | $154,746-36.0% |
| Participation rate | 30.0% | 87.9%-57.9pp | 87.3%-57.3pp | 80.7%-50.7pp |
| Annual return | 9.48% | 50.39%-40.9pp | 46.84%-37.4pp | 172.34%-162.9pp |
| Employer contribution / active EE | $0 | $6,787-100.0% | $6,442-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $3,919 | $9,750-59.8% | $9,284-57.8% | $6,730-41.8% |
| Admin fee / account holder | $696 | $19,707-96.5% | $19,076-96.3% | $14,365-95.2% |