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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 | $74,606 | $148,582-49.8% | $135,942-45.1% | $139,456-46.5% |
| Participation rate | 40.0% | 83.9%-43.9pp | 81.9%-41.9pp | 80.3%-40.3pp |
| Annual return | 10.64% | 79.26%-68.6pp | 68.28%-57.6pp | 373.45%-362.8pp |
| Employer contribution / active EE | $811 | $5,245-84.5% | $4,858-83.3% | $4,753-82.9% |
| Participant deferral / active EE | $6,188 | $8,101-23.6% | $7,759-20.3% | $6,711-7.8% |
| Admin fee / account holder | $5,018 | $12,402-59.5% | $10,764-53.4% | $11,407-56.0% |