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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 | $70,607 | $142,354-50.4% | $125,529-43.8% | $155,188-54.5% |
| Participation rate | 55.6% | 78.1%-22.5pp | 74.7%-19.2pp | 80.8%-25.2pp |
| Annual return | 3.60% | 306.06%-302.5pp | 202.56%-199.0pp | 148.84%-145.2pp |
| Employer contribution / active EE | $113 | $3,501-96.8% | $3,058-96.3% | $4,248-97.3% |
| Participant deferral / active EE | $2,294 | $5,491-58.2% | $4,813-52.3% | $6,531-64.9% |
| Admin fee / account holder | $25,482 | $19,392+31.4% | $16,298+56.3% | $14,480+76.0% |