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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 | $43,671 | $178,174-75.5% | $156,181-72.0% | $137,256-68.2% |
| Participation rate | 55.6% | 82.0%-26.5pp | 78.8%-23.3pp | 80.0%-24.4pp |
| Annual return | 9.60% | 84.19%-74.6pp | 64.87%-55.3pp | 220.34%-210.7pp |
| Employer contribution / active EE | $356 | $4,972-92.8% | $4,294-91.7% | $4,156-91.4% |
| Participant deferral / active EE | $2,494 | $6,888-63.8% | $6,132-59.3% | $6,407-61.1% |
| Admin fee / account holder | $2,443 | $17,404-86.0% | $14,586-83.3% | $12,270-80.1% |