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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 | $35,553 | $209,336-83.0% | $197,124-82.0% | $137,256-74.1% |
| Participation rate | 61.9% | 87.3%-25.4pp | 86.7%-24.8pp | 80.0%-18.1pp |
| Annual return | 1.42% | 48.09%-46.7pp | 44.34%-42.9pp | 220.34%-218.9pp |
| Employer contribution / active EE | $973 | $6,591-85.2% | $6,227-84.4% | $4,156-76.6% |
| Participant deferral / active EE | $3,890 | $9,614-59.5% | $9,135-57.4% | $6,407-39.3% |
| Admin fee / account holder | $32,981 | $17,308+90.6% | $16,298+102.4% | $12,270+168.8% |