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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 | $139,848 | $154,228-9.3% | $145,433-3.8% | $137,256+1.9% |
| Participation rate | 45.5% | 83.8%-38.3pp | 82.1%-36.7pp | 80.0%-34.5pp |
| Annual return | 1.13% | 74.59%-73.5pp | 66.58%-65.4pp | 220.34%-219.2pp |
| Employer contribution / active EE | $210 | $4,804-95.6% | $4,554-95.4% | $4,156-95.0% |
| Participant deferral / active EE | $3,715 | $8,216-54.8% | $7,897-53.0% | $6,407-42.0% |
| Admin fee / account holder | $17,152 | $14,344+19.6% | $13,129+30.6% | $12,270+39.8% |