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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 | $39,390 | $162,821-75.8% | $133,978-70.6% | $158,982-75.2% |
| Participation rate | 42.9% | 83.2%-40.4pp | 79.8%-37.0pp | 82.0%-39.1pp |
| Annual return | 4.76% | 41.95%-37.2pp | 45.10%-40.3pp | 302.99%-298.2pp |
| Employer contribution / active EE | $702 | $4,976-85.9% | $3,919-82.1% | $4,763-85.3% |
| Participant deferral / active EE | $5,739 | $5,910-2.9% | $5,047+13.7% | $5,983-4.1% |
| Admin fee / account holder | $26,640 | $11,742+126.9% | $8,930+198.3% | $11,252+136.8% |