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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 | $124,923 | $111,535+12.0% | $105,223+18.7% | $137,256-9.0% |
| Participation rate | 45.8% | 78.1%-32.3pp | 75.0%-29.2pp | 80.0%-34.1pp |
| Annual return | 1.28% | 237.85%-236.6pp | 180.65%-179.4pp | 220.34%-219.1pp |
| Employer contribution / active EE | $681 | $3,939-82.7% | $3,689-81.5% | $4,156-83.6% |
| Participant deferral / active EE | $2,305 | $5,500-58.1% | $5,072-54.6% | $6,407-64.0% |
| Admin fee / account holder | $9,518 | $9,721-2.1% | $8,859+7.4% | $12,270-22.4% |