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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 | $46,927 | $157,276-70.2% | $141,177-66.8% | $152,885-69.3% |
| Participation rate | 60.0% | 84.8%-24.8pp | 82.5%-22.5pp | 82.5%-22.5pp |
| Annual return | 10.46% | 64.33%-53.9pp | 71.40%-60.9pp | 345.39%-334.9pp |
| Employer contribution / active EE | $915 | $5,262-82.6% | $4,736-80.7% | $4,763-80.8% |
| Participant deferral / active EE | $2,401 | $7,110-66.2% | $6,710-64.2% | $5,851-59.0% |
| Admin fee / account holder | $380 | $12,123-96.9% | $10,263-96.3% | $11,598-96.7% |