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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 | $75,019 | $104,694-28.3% | $85,709-12.5% | $167,536-55.2% |
| Participation rate | 37.5% | 76.4%-38.9pp | 69.9%-32.4pp | 82.1%-44.6pp |
| Annual return | 6.12% | 21.45%-15.3pp | 21.49%-15.4pp | 478.82%-472.7pp |
| Employer contribution / active EE | $77 | $3,337-97.7% | $2,619-97.1% | $4,839-98.4% |
| Participant deferral / active EE | $6,096 | $4,826+26.3% | $3,924+55.4% | $6,342-3.9% |
| Admin fee / account holder | $4,975 | $10,035-50.4% | $6,876-27.6% | $12,315-59.6% |