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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 | $95,388 | $111,787-14.7% | $93,681+1.8% | $145,978-34.7% |
| Participation rate | 59.1% | 74.2%-15.1pp | 68.7%-9.6pp | 80.3%-21.2pp |
| Annual return | 6.98% | 203.52%-196.5pp | 133.47%-126.5pp | 550.52%-543.5pp |
| Employer contribution / active EE | $489 | $3,093-84.2% | $2,422-79.8% | $4,662-89.5% |
| Participant deferral / active EE | $1,392 | $4,918-71.7% | $4,415-68.5% | $6,690-79.2% |
| Admin fee / account holder | $1,512 | $10,256-85.3% | $8,290-81.8% | $13,400-88.7% |