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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 | $76,688 | $102,429-25.1% | $147,096-47.9% | $80,925-5.2% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 11.40% | 135.02%-123.6pp | 419.75%-408.4pp | 35.65%-24.3pp |
| Employer contribution / active EE | $771 | $3,716-79.3% | $4,936-84.4% | $2,756-72.0% |
| Participant deferral / active EE | $4,478 | $6,649-32.7% | $8,071-44.5% | $4,299+4.2% |
| Admin fee / account holder | $7,477 | $7,957-6.0% | $13,005-42.5% | $6,940+7.7% |