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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 | $118,717 | $152,619-22.2% | $125,195-5.2% | $152,909-22.4% |
| Participation rate | 55.0% | 83.3%-28.3pp | 79.8%-24.8pp | 82.5%-27.5pp |
| Annual return | 0.21% | 54.85%-54.6pp | 43.79%-43.6pp | 345.46%-345.3pp |
| Employer contribution / active EE | $627 | $4,947-87.3% | $3,866-83.8% | $4,764-86.8% |
| Participant deferral / active EE | $3,318 | $5,869-43.5% | $4,937-32.8% | $5,851-43.3% |
| Admin fee / account holder | $6,598 | $13,437-50.9% | $9,704-32.0% | $11,601-43.1% |