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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 | $154,228-54.2% | $145,433-51.4% | $137,256-48.5% |
| Participation rate | 44.4% | 83.8%-39.3pp | 82.1%-37.7pp | 80.0%-35.5pp |
| Annual return | 4.68% | 74.59%-69.9pp | 66.58%-61.9pp | 220.34%-215.7pp |
| Employer contribution / active EE | $424 | $4,804-91.2% | $4,554-90.7% | $4,156-89.8% |
| Participant deferral / active EE | $8,905 | $8,216+8.4% | $7,897+12.8% | $6,407+39.0% |
| Admin fee / account holder | $474 | $14,344-96.7% | $13,129-96.4% | $12,270-96.1% |