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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 | $137,578 | $160,040-14.0% | $147,096-6.5% | $145,877-5.7% |
| Participation rate | 25.0% | 84.0%-59.0pp | 82.2%-57.2pp | 80.3%-55.3pp |
| Annual return | 9.43% | 98.49%-89.1pp | 419.75%-410.3pp | 551.28%-541.9pp |
| Employer contribution / active EE | $329 | $5,289-93.8% | $4,936-93.3% | $4,663-92.9% |
| Participant deferral / active EE | $2,712 | $8,429-67.8% | $8,071-66.4% | $6,691-59.5% |
| Admin fee / account holder | $350 | $15,050-97.7% | $13,005-97.3% | $13,402-97.4% |