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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 | $84,666 | $81,208+4.3% | $98,920-14.4% | $79,852+6.0% |
| Participation rate | 48.4% | 72.5%-24.1pp | 76.0%-27.6pp | 69.6%-21.3pp |
| Annual return | 9.36% | 60.99%-51.6pp | 196.47%-187.1pp | 31.72%-22.4pp |
| Employer contribution / active EE | $358 | $1,960-81.7% | $2,689-86.7% | $2,471-85.5% |
| Participant deferral / active EE | $2,781 | $3,265-14.8% | $4,245-34.5% | $3,740-25.6% |
| Admin fee / account holder | $5,025 | $6,013-16.4% | $6,643-24.4% | $5,306-5.3% |