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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 | $38,082 | $175,259-78.3% | $149,723-74.6% | $139,487-72.7% |
| Participation rate | 54.5% | 83.4%-28.8pp | 78.8%-24.2pp | 80.3%-25.8pp |
| Annual return | 9.56% | 166.82%-157.3pp | 134.50%-124.9pp | 373.84%-364.3pp |
| Employer contribution / active EE | $516 | $5,478-90.6% | $4,821-89.3% | $4,755-89.1% |
| Participant deferral / active EE | $2,553 | $6,522-60.8% | $5,682-55.1% | $6,713-62.0% |
| Admin fee / account holder | $4,163 | $16,158-74.2% | $13,215-68.5% | $11,407-63.5% |