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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 | $143,647 | $176,077-18.4% | $159,455-9.9% | $167,518-14.2% |
| Participation rate | 30.8% | 84.9%-54.2pp | 82.8%-52.1pp | 82.1%-51.3pp |
| Annual return | 6.71% | 331.83%-325.1pp | 263.63%-256.9pp | 478.71%-472.0pp |
| Employer contribution / active EE | $952 | $5,298-82.0% | $4,830-80.3% | $4,838-80.3% |
| Participant deferral / active EE | $4,503 | $7,751-41.9% | $7,353-38.8% | $6,342-29.0% |
| Admin fee / account holder | $2,412 | $12,556-80.8% | $10,800-77.7% | $12,312-80.4% |