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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 | $89,533 | $154,193-41.9% | $130,045-31.2% | $139,466-35.8% |
| Participation rate | 57.1% | 82.0%-24.8pp | 78.5%-21.4pp | 80.3%-23.2pp |
| Annual return | 4.11% | 32.51%-28.4pp | -137.30%+141.4pp | 373.66%-369.6pp |
| Employer contribution / active EE | $718 | $5,292-86.4% | $4,321-83.4% | $4,754-84.9% |
| Participant deferral / active EE | $3,398 | $6,709-49.4% | $5,820-41.6% | $6,712-49.4% |
| Admin fee / account holder | $1,021 | $13,989-92.7% | $10,600-90.4% | $11,409-91.1% |