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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 | $123,389 | $132,634-7.0% | $115,768+6.6% | $137,256-10.1% |
| Participation rate | 43.8% | 77.9%-34.1pp | 74.4%-30.6pp | 80.0%-36.2pp |
| Annual return | 4.46% | 160.70%-156.2pp | 100.46%-96.0pp | 220.34%-215.9pp |
| Employer contribution / active EE | $430 | $3,360-87.2% | $2,940-85.4% | $4,156-89.6% |
| Participant deferral / active EE | $13,216 | $5,619+135.2% | $4,917+168.8% | $6,407+106.3% |
| Admin fee / account holder | $26,301 | $15,028+75.0% | $12,439+111.4% | $12,270+114.3% |