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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 | $126,049 | $129,737-2.8% | $119,126+5.8% | $154,746-18.5% |
| Participation rate | 53.3% | 78.9%-25.5pp | 75.8%-22.4pp | 80.7%-27.4pp |
| Annual return | 6.06% | 379.08%-373.0pp | 282.11%-276.0pp | 172.34%-166.3pp |
| Employer contribution / active EE | $941 | $4,375-78.5% | $4,034-76.7% | $4,379-78.5% |
| Participant deferral / active EE | $1,941 | $5,842-66.8% | $5,318-63.5% | $6,730-71.2% |
| Admin fee / account holder | $3,932 | $11,961-67.1% | $10,693-63.2% | $14,365-72.6% |