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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 | $76,830 | $148,623-48.3% | $135,974-43.5% | $139,466-44.9% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 10.62% | 79.30%-68.7pp | 68.30%-57.7pp | 373.66%-363.0pp |
| Employer contribution / active EE | $381 | $5,246-92.7% | $4,859-92.1% | $4,754-92.0% |
| Participant deferral / active EE | $4,477 | $8,103-44.7% | $7,760-42.3% | $6,712-33.3% |
| Admin fee / account holder | $564 | $12,406-95.5% | $10,767-94.8% | $11,409-95.1% |