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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 | $121,457 | $107,363+13.1% | $92,909+30.7% | $152,897-20.6% |
| Participation rate | 21.4% | 79.8%-58.4pp | 76.0%-54.6pp | 82.5%-61.0pp |
| Annual return | 6.63% | 145.63%-139.0pp | 109.44%-102.8pp | 345.43%-338.8pp |
| Employer contribution / active EE | $550 | $4,222-87.0% | $3,653-85.0% | $4,764-88.5% |
| Participant deferral / active EE | $3,750 | $4,848-22.7% | $4,238-11.5% | $5,851-35.9% |
| Admin fee / account holder | $334 | $7,082-95.3% | $5,795-94.2% | $11,599-97.1% |