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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 | $117,845 | $209,336-43.7% | $197,124-40.2% | $137,256-14.1% |
| Participation rate | 37.5% | 87.3%-49.8pp | 86.7%-49.2pp | 80.0%-42.5pp |
| Annual return | 5.12% | 48.09%-43.0pp | 44.34%-39.2pp | 220.34%-215.2pp |
| Employer contribution / active EE | $1,129 | $6,591-82.9% | $6,227-81.9% | $4,156-72.8% |
| Participant deferral / active EE | $3,033 | $9,614-68.4% | $9,135-66.8% | $6,407-52.7% |
| Admin fee / account holder | $3,073 | $17,308-82.2% | $16,298-81.1% | $12,270-75.0% |