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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 | $74,424 | $209,422-64.5% | $178,503-58.3% | $158,982-53.2% |
| Participation rate | 65.0% | 86.4%-21.4pp | 81.9%-16.9pp | 82.0%-17.0pp |
| Annual return | 4.82% | 188.81%-184.0pp | 151.12%-146.3pp | 302.99%-298.2pp |
| Employer contribution / active EE | $699 | $5,707-87.8% | $5,011-86.1% | $4,763-85.3% |
| Participant deferral / active EE | $2,913 | $5,955-51.1% | $5,202-44.0% | $5,983-51.3% |
| Admin fee / account holder | $2,742 | $17,079-83.9% | $13,987-80.4% | $11,252-75.6% |