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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 | $86,614 | $111,535-22.3% | $105,223-17.7% | $137,256-36.9% |
| Participation rate | 36.8% | 78.1%-41.2pp | 75.0%-38.2pp | 80.0%-43.1pp |
| Annual return | 4.63% | 237.85%-233.2pp | 180.65%-176.0pp | 220.34%-215.7pp |
| Employer contribution / active EE | $675 | $3,939-82.9% | $3,689-81.7% | $4,156-83.8% |
| Participant deferral / active EE | $4,171 | $5,500-24.2% | $5,072-17.8% | $6,407-34.9% |
| Admin fee / account holder | $351 | $9,721-96.4% | $8,859-96.0% | $12,270-97.1% |