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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 | $123,259 | $150,207-17.9% | $120,380+2.4% | $145,978-15.6% |
| Participation rate | 44.4% | 78.8%-34.3pp | 71.9%-27.5pp | 80.3%-35.8pp |
| Annual return | 7.50% | 154.28%-146.8pp | 107.28%-99.8pp | 550.52%-543.0pp |
| Employer contribution / active EE | $225 | $4,351-94.8% | $3,465-93.5% | $4,662-95.2% |
| Participant deferral / active EE | $3,756 | $6,175-39.2% | $4,992-24.8% | $6,690-43.9% |
| Admin fee / account holder | $1,138 | $12,203-90.7% | $9,421-87.9% | $13,400-91.5% |