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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 | $72,195 | $125,190-42.3% | $105,624-31.6% | $145,897-50.5% |
| Participation rate | 29.4% | 77.6%-48.2pp | 75.3%-45.9pp | 80.3%-50.9pp |
| Annual return | 3.59% | 225.22%-221.6pp | 116.20%-112.6pp | 552.29%-548.7pp |
| Employer contribution / active EE | $613 | $3,720-83.5% | $3,168-80.6% | $4,663-86.8% |
| Participant deferral / active EE | $2,634 | $5,716-53.9% | $5,013-47.4% | $6,689-60.6% |
| Admin fee / account holder | $576 | $17,138-96.6% | $10,961-94.7% | $13,390-95.7% |