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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 | $62,561 | $140,592-55.5% | $123,106-49.2% | $125,388-50.1% |
| Participation rate | 46.2% | 88.2%-42.0pp | 86.8%-40.6pp | 83.2%-37.0pp |
| Annual return | -3.57% | 16.80%-20.4pp | 13.22%-16.8pp | 282.24%-285.8pp |
| Employer contribution / active EE | $744 | $6,041-87.7% | $5,151-85.5% | $4,866-84.7% |
| Participant deferral / active EE | $2,890 | $6,980-58.6% | $6,229-53.6% | $5,352-46.0% |
| Admin fee / account holder | $784 | $11,198-93.0% | $9,015-91.3% | $9,541-91.8% |