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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 | $70,688 | $196,972-64.1% | $182,262-61.2% | $198,609-64.4% |
| Participation rate | 44.4% | 85.7%-41.3pp | 84.2%-39.8pp | 82.4%-37.9pp |
| Annual return | 4.68% | 158.27%-153.6pp | 140.60%-135.9pp | 202.70%-198.0pp |
| Employer contribution / active EE | $424 | $5,364-92.1% | $5,046-91.6% | $5,055-91.6% |
| Participant deferral / active EE | $8,905 | $8,643+3.0% | $8,276+7.6% | $6,977+27.6% |
| Admin fee / account holder | $474 | $18,429-97.4% | $16,712-97.2% | $19,030-97.5% |