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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 | $125,084 | $183,516-31.8% | $155,534-19.6% | $145,884-14.3% |
| Participation rate | 16.7% | 82.7%-66.0pp | 78.2%-61.6pp | 80.3%-63.6pp |
| Annual return | 8.44% | 61.43%-53.0pp | 64.92%-56.5pp | 551.85%-543.4pp |
| Employer contribution / active EE | $358 | $5,315-93.3% | $4,675-92.4% | $4,662-92.3% |
| Participant deferral / active EE | $2,485 | $6,467-61.6% | $5,630-55.9% | $6,690-62.9% |
| Admin fee / account holder | $9,239 | $19,293-52.1% | $15,900-41.9% | $13,392-31.0% |