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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 | $72,008 | $148,629-51.6% | $135,982-47.0% | $139,487-48.4% |
| Participation rate | 57.1% | 83.9%-26.7pp | 81.9%-24.8pp | 80.3%-23.2pp |
| Annual return | 7.47% | 79.33%-71.9pp | 68.32%-60.9pp | 373.84%-366.4pp |
| Employer contribution / active EE | $702 | $5,247-86.6% | $4,859-85.6% | $4,755-85.2% |
| Participant deferral / active EE | $4,672 | $8,102-42.3% | $7,760-39.8% | $6,713-30.4% |
| Admin fee / account holder | $2,599 | $12,406-79.0% | $10,767-75.9% | $11,407-77.2% |