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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 | $89,008 | $111,535-20.2% | $105,223-15.4% | $137,256-35.2% |
| Participation rate | 22.2% | 78.1%-55.9pp | 75.0%-52.8pp | 80.0%-57.7pp |
| Annual return | 7.29% | 237.85%-230.6pp | 180.65%-173.4pp | 220.34%-213.1pp |
| Employer contribution / active EE | $484 | $3,939-87.7% | $3,689-86.9% | $4,156-88.4% |
| Participant deferral / active EE | $3,290 | $5,500-40.2% | $5,072-35.1% | $6,407-48.6% |
| Admin fee / account holder | $521 | $9,721-94.6% | $8,859-94.1% | $12,270-95.8% |