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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 | $46,373 | $107,368-56.8% | $92,915-50.1% | $152,909-69.7% |
| Participation rate | 42.1% | 79.8%-37.7pp | 76.0%-33.9pp | 82.5%-40.4pp |
| Annual return | 5.21% | 145.64%-140.4pp | 109.45%-104.2pp | 345.46%-340.3pp |
| Employer contribution / active EE | $727 | $4,222-82.8% | $3,653-80.1% | $4,764-84.7% |
| Participant deferral / active EE | $1,628 | $4,848-66.4% | $4,238-61.6% | $5,851-72.2% |
| Admin fee / account holder | $2,269 | $7,082-68.0% | $5,796-60.8% | $11,601-80.4% |