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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 | $118,927 | $154,228-22.9% | $145,433-18.2% | $137,256-13.4% |
| Participation rate | 33.3% | 83.8%-50.5pp | 82.1%-48.8pp | 80.0%-46.6pp |
| Annual return | 8.78% | 74.59%-65.8pp | 66.58%-57.8pp | 220.34%-211.6pp |
| Employer contribution / active EE | $791 | $4,804-83.5% | $4,554-82.6% | $4,156-81.0% |
| Participant deferral / active EE | $6,557 | $8,216-20.2% | $7,897-17.0% | $6,407+2.3% |
| Admin fee / account holder | $637 | $14,344-95.6% | $13,129-95.2% | $12,270-94.8% |