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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 | $31,141 | $172,111-81.9% | $150,298-79.3% | $137,256-77.3% |
| Participation rate | 63.2% | 81.7%-18.6pp | 77.8%-14.6pp | 80.0%-16.8pp |
| Annual return | 7.91% | 69.37%-61.5pp | 62.79%-54.9pp | 220.34%-212.4pp |
| Employer contribution / active EE | $245 | $4,636-94.7% | $4,154-94.1% | $4,156-94.1% |
| Participant deferral / active EE | $3,095 | $6,166-49.8% | $5,453-43.2% | $6,407-51.7% |
| Admin fee / account holder | $1,184 | $16,471-92.8% | $14,116-91.6% | $12,270-90.3% |