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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 | $126,517 | $165,381-23.5% | $149,730-15.5% | $158,966-20.4% |
| Participation rate | 69.6% | 84.6%-15.0pp | 82.5%-12.9pp | 82.0%-12.4pp |
| Annual return | 3.66% | 348.29%-344.6pp | 276.70%-273.0pp | 302.95%-299.3pp |
| Employer contribution / active EE | $558 | $5,104-89.1% | $4,645-88.0% | $4,762-88.3% |
| Participant deferral / active EE | $6,383 | $7,182-11.1% | $6,843-6.7% | $5,983+6.7% |
| Admin fee / account holder | $3,620 | $10,809-66.5% | $9,310-61.1% | $11,250-67.8% |