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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 | $58,128 | $160,070-63.7% | $147,117-60.5% | $145,897-60.2% |
| Participation rate | 42.9% | 84.0%-41.2pp | 82.2%-39.3pp | 80.3%-37.4pp |
| Annual return | 9.62% | 98.69%-89.1pp | 420.54%-410.9pp | 552.29%-542.7pp |
| Employer contribution / active EE | $895 | $5,285-83.1% | $4,932-81.9% | $4,663-80.8% |
| Participant deferral / active EE | $3,026 | $8,419-64.1% | $8,065-62.5% | $6,689-54.8% |
| Admin fee / account holder | $1,031 | $15,035-93.1% | $12,993-92.1% | $13,390-92.3% |