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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 | $40,779 | $111,535-63.4% | $105,223-61.2% | $137,256-70.3% |
| Participation rate | 42.9% | 78.1%-35.2pp | 75.0%-32.2pp | 80.0%-37.1pp |
| Annual return | 8.15% | 237.85%-229.7pp | 180.65%-172.5pp | 220.34%-212.2pp |
| Employer contribution / active EE | $743 | $3,939-81.1% | $3,689-79.8% | $4,156-82.1% |
| Participant deferral / active EE | $4,591 | $5,500-16.5% | $5,072-9.5% | $6,407-28.3% |
| Admin fee / account holder | $1,791 | $9,721-81.6% | $8,859-79.8% | $12,270-85.4% |