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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 | $129,737-68.6% | $119,126-65.8% | $154,746-73.6% |
| Participation rate | 42.9% | 78.9%-36.0pp | 75.8%-32.9pp | 80.7%-37.8pp |
| Annual return | 8.15% | 379.08%-370.9pp | 282.11%-274.0pp | 172.34%-164.2pp |
| Employer contribution / active EE | $743 | $4,375-83.0% | $4,034-81.6% | $4,379-83.0% |
| Participant deferral / active EE | $4,591 | $5,842-21.4% | $5,318-13.7% | $6,730-31.8% |
| Admin fee / account holder | $1,791 | $11,961-85.0% | $10,693-83.2% | $14,365-87.5% |