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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 | $223,823-84.1% | $211,142-83.2% | $154,746-77.0% |
| Participation rate | 61.9% | 87.9%-25.9pp | 87.3%-25.4pp | 80.7%-18.8pp |
| Annual return | 1.42% | 50.39%-49.0pp | 46.84%-45.4pp | 172.34%-170.9pp |
| Employer contribution / active EE | $973 | $6,787-85.7% | $6,442-84.9% | $4,379-77.8% |
| Participant deferral / active EE | $3,890 | $9,750-60.1% | $9,284-58.1% | $6,730-42.2% |
| Admin fee / account holder | $32,981 | $19,707+67.4% | $19,076+72.9% | $14,365+129.6% |